428 N Main St, O Fallon, MO 63366 Property Records

St. Charles County property record for 428 N Main St, O Fallon, MO 63366

Property Summary

Property Type	Exempt (Full or Partial)
Details	4 bd · 4.5 ba · 1,338 sqft · built 1932
Lot Size	0.97 acres (42,253 sqft)
Owner	Company Name on File
Last Sale	$525,000 (Jan 2023)
Deeds & Mortgages	Jan 2023 Sale Aug 2017 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`196710A000`

Property Details

APN / Parcel Number

Primary APN	`196710A000`
Alternative APN	`2-051C-S021-00-0009.0000000`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,338 sqft Living Area
Gross Area	2,290 sqft
1st Floor Area	1,338 sqft
Basement Area	952 sqft

Exterior

Year Built	Built 1932
Effective Year Built	Effective 1932
Architectural Style	Multi-Level
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	42,253 sqft (0.97 acres)
Garage Type	Detached
Garage Area	324 sqft
Porch	Open Porch
Porch Area	136 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	196710A000
Street Address	428 N MAIN ST
City	O FALLON
State	MO
Zip	63366-2206
Property Category	Other
Property Type	Other > Exempt (Full or Partial)
Local Zoning Code	AE9
Legal Description	PT NW SW 1/4
Legal Range	3
Legal Township	47
Legal Section	02
Legal Lot Number	9
Jurisdiction	ST CHARLES MO
Township / Civil Division	O'FALLON
Census Block Group	2
Census Block	2001
Census Tract	311602

Owner

428 N Main St is owned by a company that bought it in January 2023.

Source: St. Charles County records, as of September 10, 2026

Owner of Record	Company Name on File
Mailing Address	100 N MAIN ST, O FALLON, MO 63366-2200
Owner Type	Company

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

Deeds, Mortgages & Sale History

Date	Document
Jan 23, 2023	Warranty Deed, Transfer
Aug 30, 2017	Loan Modification, Mortgage · Line of Credit BUSEY BK
Jul 13, 2017	Deed of Trust, Mortgage · Line of Credit BUSEY BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 23, 2023 · Amount on File
Deed Sale	Jan 23, 2023 · Amount on File
Prior Sale	Sep 13, 2013 · Amount on File
Deed Document Number	20232608
Prior Transfer Date	May 16, 2018
Prior Transfer Doc	0000300730
Record Updated	Oct 29, 2026

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jan 23, 2023
Property Address	428 N MAIN ST, O FALLON, MO 63366-2206
Document Number	0000002608
Instrument Date	Jan 20, 2023
Instrument	2023R-002608
Transaction Type	Transfer
Record Updated	Jan 17, 2024

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	14310 VALLEY MEADOW CT E, CHESTERFIELD, MO 63017-9630

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	100 N MAIN ST, O FALLON, MO 63366-2200

August 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST CHARLES MO
Property Address	428 N MAIN ST, O FALLON, MO 63366-2206
Document Number	0068060619
Book / Page	006806 / 000619
Instrument Date	Aug 30, 2017
Transaction Type	Mortgage
Record Updated	Sep 19, 2017
Title Company	TITLE PARTNERS AGENCY LLC, TITLE PTRS AGCY LLC

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	429 N MAIN ST O FALLON MO 633662205, O FALLON, MO 63366-2205

Mortgage

Document Number	0068060619
Date	Sep 13, 2017
Book Page	006806/000619
Instrument	574660

Lender

Name	BUSEY BK
Type	Bank
Address	O FALLON, MO 63304

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	428 N MAIN ST, O FALLON, MO 63366-2206
Document Number	0067760100
Book / Page	006776 / 000100
Instrument Date	Jul 13, 2017
Transaction Type	Mortgage
Record Updated	Jul 24, 2017
Title Company	TITLE PARTNERS AGENCY LLC, TITLE PTRS AGCY LLC

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	429 N MAIN ST O FALLON MO 633662205, O FALLON, MO 63366-2205

Mortgage

Document Number	0067760100
Date	Jul 18, 2017
Book Page	006776/000100
Instrument	439840

Lender

Name	BUSEY BK
Type	Bank
Address	O FALLON, MO 63304

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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	Assessed Value	Assessed Market Value
2026		$87,300 Land $87,300
2023	$65,199
2022		$343,152 Land $87,300 Building $255,852

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 428 N Main St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective August 25, 2024

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 428 N Main St is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 96% of the US · lower than 94% of Missouri
Wildfire Likelihood	Under 0.01% 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 555 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
AT&T Fixed Wireless	100 / 20

May also be available: Verizon, Wisper ISP.

Nearby Properties on N Main St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures