428 Smithton Blvd, O Fallon, MO 63368 Property Records

St. Charles County property record for 428 Smithton Blvd, O Fallon, MO 63368

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 3,174 sqft · built 2023
Lot Size	0.189 acres (8,211 sqft)
Owner	2 Individual Names on Record
Last Sale	$680,780 (Feb 2024)
Tax Bill	$8,562 (2025)
Deeds & Mortgages	Feb 2024 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`T232000229`

Property Details

APN / Parcel Number

Primary APN	`T232000229`
Alternative APN	`4-0068-D263-00-0319.0000000`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,174 sqft Living Area
Gross Area	4,334 sqft
Basement Area	1,160 sqft

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Architectural Style	Bi-Level
Exterior Material	Brick
Lot Area	8,211 sqft (0.189 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Account Number	T232000229
Street Address	428 SMITHTON BLVD
City	O FALLON
State	MO
Zip	63368-2312
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	STREETS OF CALEDONIA #7 LOT 319
Legal Subdivision	STREETS OF CALEDONIA #7
Legal Lot Number	319
Jurisdiction	ST CHARLES MO
Township / Civil Division	BOONE
Census Block Group	2
Census Block	2010
Census Tract	312207

Owner

Source: St. Charles County records, as of September 10, 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 Record
Mailing Address	428 SMITHTON BLVD, O FALLON, MO 63368-2312
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 14, 2024 · Amount on Record
Deed Sale	Feb 14, 2024 · Amount on Record
Prior Sale	Nov 3, 2022
Deed Document Number	20245774
Record Updated	Oct 29, 2026

February 2024: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Feb 14, 2024
Property Address	428 SMITHTON BLVD, O FALLON, MO 63368-2312
Document Number	0000005774
Map Reference	DOC 2022R-039999
Instrument Date	Feb 1, 2024
Instrument	2024R-005774
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 27, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3940 OLYMPIC BLVD STE 400, 400, ERLANGER, KY 41018-3593

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	428 SMITHTON BLVD, O FALLON, MO 63368-2312

Mortgage

Document Number	0000005775
Date	Feb 14, 2024
Instrument	2024R-005775

Lender

Name	FIRST COMMUNITY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	6.25%
Type Change Date	Mar 1, 2029
Change Frequency	5 Years
Min Rate At Change	4.25%
Max Rate At Change	8.25%
Margin	2
Max Rate	12.2%

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	Wentzville R-IV School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$132,336 (+2.31%)	$696,503 (+2.31%) Land $70,000 Building $626,503
2025	$8,562.00	$129,348 (+872.54%)	$680,780 (+872.54%) Land $70,000 Building $610,780
2023		$13,300	$70,000 Land $70,000

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

Flood

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

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	0.04% 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	ST CHARLES COUNTY PWSD 2 serves 100,587 people · EPA ID MO6024530
Water Source	Purchased surface water from ST LOUIS CITY PWS
Last State Inspection	Aug 2023
Lead	2 ppb (2026) 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 157 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber · Cable in parts of the area	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30
Verizon Fixed Wireless	300 / 20

May also be available: Gateway Fiber, i3 Broadband, Sparklight, T-Mobile.

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