423 Saint Gemma Dr, O Fallon, MO 63366 Property Records

St. Charles County property record for 423 Saint Gemma Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 4,612 sqft · built 2005
Lot Size	0.24 acres (10,454 sqft)
Owner	2 Individual Names on File
Last Sale	$415,000 (May 2019)
Tax Bill	$6,650 (2025)
Deeds & Mortgages	Nov 2017 Line of Credit May 2019 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`T020300620`

Property Details

APN / Parcel Number

Primary APN	`T020300620`
Alternative APN	`2-0050-8879-00-0075.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	4,612 sqft Living Area
Gross Area	5,854 sqft
1st Floor Area	2,131 sqft
Basement Area	2,074 sqft
Finished Basement	1,452 sqft
Unfinished Basement	622 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Lot Area	10,454 sqft (0.24 acres)
Garage Type	Attached
Garage Area	620 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	50 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T020300620
Street Address	423 SAINT GEMMA DR
City	O FALLON
State	MO
Zip	63366-7429
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VLGS AT WALDEN POND #5 LOT 75
Legal Subdivision	VLGS AT WALDON POND #5
Legal Lot Number	75
Jurisdiction	ST CHARLES MO
Township / Civil Division	WENTZVILLE
Census Block Group	3
Census Block	3001
Census Tract	311802

Owner

423 Saint Gemma Dr is owned and occupied by two individuals who bought it in May 2019.

Source: St. Charles County records, as of August 7, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	423 SAINT GEMMA DR, O FALLON, MO 63366-7429
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 28, 2017	Deed of Trust, Mortgage · Line of Credit RELIANCE BANK
May 29, 2019	Warranty Deed, Transfer · Conventional Mortgage FLAT BRANCH HOME LOANS INC
Apr 6, 2018	Warranty Deed, Transfer · VA Mortgage NAVY FCU
Apr 3, 2018	Deed of Trust, Mortgage · VA Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 29, 2019 · Amount on File
Deed Sale	May 29, 2019 · Amount on File
Prior Sale	Apr 6, 2018 · Amount on File
Deed Document Number	2019256190
Deed Book / Page	7080 / 1092
Record Updated	Oct 29, 2026

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	423 SAINT GEMMA DR, O FALLON, MO 63366-7429
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0068441809
Date	Nov 28, 2017
Book Page	6844/1809
Instrument	20171128000735960

Lender

Name	RELIANCE BANK
Type	Bank
Address	O FALLON, MO 63366

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	May 29, 2019
Property Address	423 SAINT GEMMA DR, O FALLON, MO 63366-7429
Document Number	0070801092
Book / Page	7080 / 1092
Map Reference	MB 39 PG 4
Instrument Date	Mar 30, 2019
Instrument	20190529000256190
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	STELLAR TITLE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	423 SAINT GEMMA DR, 423, O FALLON, MO 63366-7429

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	423 SAINT GEMMA DR, O FALLON, MO 63366-7429

Mortgage

Document Number	20190529000256200
Date	May 29, 2019
Instrument	20190529000256200

Lender

Name	FLAT BRANCH HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2049

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Apr 6, 2018
Property Address	423 SAINT GEMMA DR, O FALLON, MO 63366-7429
Document Number	0069011919
Book / Page	006901 / 001919
Instrument Date	Apr 3, 2018
Instrument	183870
Transaction Type	Transfer
Record Updated	May 2, 2018

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	423 SAINT GEMMA DR O FALLON MO 633667429, O FALLON, MO 63366-7429

Mortgage

Document Number	69011921
Date	Apr 6, 2018
Book Page	006901/001921
Instrument	183880

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 5, 2048

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	423 SAINT GEMMA DR, O FALLON, MO 63366-7429
Document Number	0070421437
Instrument Date	Apr 3, 2018
Transaction Type	Mortgage
Record Updated	Mar 22, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	178 BABBLING BROOK LN ST CHARLES MO 633036597, ST CHARLES, MO 63303-6597

Mortgage

Document Number	0070421437
Date	Mar 4, 2019
Book Page	007042/001437
Instrument	95890

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 3, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 423 Saint Gemma Dr was $6,650.

Source: St. Charles County assessment roll, as of August 7, 2026

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Municipality	O'Fallon City
Unified School District	Fort Zumwalt R-II School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$103,955 (-)	$547,131 (-) Land $72,000 Building $475,131
2025	$6,650.00	$103,955	$547,131 Land $72,000 Building $475,131
2023		$96,307
2022			$506,879 Land $49,500 Building $457,379

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 423 Saint Gemma Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective August 25, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	1 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 423 Saint Gemma Dr is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 84% of Missouri
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	OFALLON PWS serves 32,515 people · EPA ID MO6010588
Water Source	Purchased surface water from several systems
Last State Inspection	Aug 2024
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 224 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Gateway Fiber Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Wisper ISP.

Cell Coverage

5G and 4G LTE (outdoors only)

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