St. Charles County property record for 427 Saint Gemma Dr, O Fallon, MO 63366
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 3,476 sqft · built 2004 |
| Lot Size | 0.37 acres (16,117 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $309,611 (Feb 2005) |
| Tax Bill | $6,296 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | T020300622 |
| Primary APN | T020300622 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 3,476 sqft Living Area |
| Gross Area | 5,642 sqft |
| 1st Floor Area | 2,117 sqft |
| Basement Area | 1,539 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Architectural Style | Bi-Level |
| Exterior Material | Brick/Stone |
| Lot Area | 16,117 sqft (0.37 acres) |
| Garage Type | Attached |
| Garage Area | 627 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 68 sqft |
| Heating Fuel | Gas |
|---|---|
| Sewer | Connected |
| Account Number | T020300622 |
|---|---|
| Street Address | 427 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 77 |
| Legal Subdivision | VLGS AT WALDON POND #5 |
| Legal Lot Number | 77 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | WENTZVILLE |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 311802 |
427 Saint Gemma Dr is owned and occupied by two individuals who bought it in February 2005.
Source: St. Charles County records, as of August 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 427 SAINT GEMMA DR, O FALLON, MO 63366-7429 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 3, 2005 · Amount on File |
| Deed Sale | Feb 3, 2005 · Amount on File |
| Deed Document Number | 2005107380 |
| Deed Book / Page | 4093 / 833 |
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 427 Saint Gemma Dr was $6,296.
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | O'Fallon City |
| Unified School District | Fort Zumwalt R-II School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $98,391 (-) | $517,849 (-) Land $80,000 Building $437,849 | |
| 2025 | $6,296.00 | $98,391 | $517,849 Land $80,000 Building $437,849 |
| 2023 | $90,381 | ||
| 2022 | $475,691 Land $55,000 Building $420,691 |
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.
FEMA maps place 427 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 risk around 427 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.
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 |
| 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.
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.
5G and 4G LTE (outdoors only)
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