428 Sunset Ln, O Fallon, MO 63366 Property Records

St. Charles County property record for 428 Sunset Ln, O Fallon, MO 63366 · Last verified March 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,260 sqft · built 1964
Lot Size	0.034 acres (1,500 sqft)
Owner	Individual Name on File
Tax Bill	$3,029 (2025)
Deeds & Mortgages	Sep 2023 Mortgage Aug 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`250200A000`

Property Details

APN / Parcel Number

Primary APN	`250200A000`
Alternative APN	`2-057A-4143-03-0009.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,260 sqft Living Area
1st Floor Area	1,260 sqft
Basement Area	1,260 sqft
Finished Basement	1,008 sqft

Exterior

Year Built	Built 1964
Architectural Style	Ranch
Exterior Material	Wood
Lot Area	1,500 sqft
Lot Dimensions	20 ft deep x 75 ft wide
Garage Type	Attached
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	240 sqft
Patio Area	240 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Sewer	Connected

Location & Zoning

Account Number	250200A000
Old Parcel Number	250200A000
Street Address	428 SUNSET LN
City	O FALLON
State	MO
Zip	63366-2429
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUNSET TERR #2 BLK 3 LOT 9
Legal Range	03E
Legal Township	47N
Legal Subdivision	SUNSET TERR #2
Legal Block	3
Legal Lot Number	9
Jurisdiction	ST CHARLES MO
Township / Civil Division	WENTZVILLE
Census Block Group	2
Census Block	2034
Census Tract	311802

Owner

Source: St. Charles County records · APN 250200A000

Assessment roll updated July 1, 2025 · Last verified March 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	428 SUNSET LN, O FALLON, MO 63366-2429
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 12, 2023	Warranty Deed, Transfer · FHA Mortgage GUARANTEED RATE AFFINITY LLC
Aug 23, 2022	Warranty Deed, Transfer · Conventional Mortgage ON Q FINANCIAL INC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 04, 2025
Deed Sale	Aug 04, 2025
Prior Sale	Sep 12, 2023
Deed Document Number	2025R-033299
Record Updated	Jun 08, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Sep 12, 2023
Property Address	428 SUNSET LN, O FALLON, MO 63366-2429
Document Number	0000037273
Map Reference	MB 7 PG 37
Instrument Date	Sep 07, 2023
Instrument	2023R-037273
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	ORT

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	428 SUNSET LN, O FALLON, MO 63366-2429

Mortgage

Document Number	0000037274
Date	Sep 12, 2023
Instrument	2023R-037274

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2053

Mortgage

Document Number	0000037275
Date	Sep 12, 2023
Instrument	2023R-037275

Lender

Name	MISSOURI HOUSING DEVELOPMENT COMMISSION
Type	Government Agency
Address	KANSAS CITY, MO 64105

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Aug 23, 2022
Property Address	428 SUNSET LN, O FALLON, MO 63366-2429
Document Number	0000046512
Map Reference	MB 7 PG 37
Instrument Date	Aug 18, 2022
Instrument	2022R-046512
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	428 SUNSET LN, O FALLON, MO 63366-2429

Mortgage

Document Number	0000046513
Date	Aug 23, 2022
Instrument	2022R-046513

Lender

Name	ON Q FINANCIAL INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2052

Tax Assessment & Valuation

Source: St. Charles County records · Assessment roll updated July 1, 2025 · Last verified March 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

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,029.00	$46,989 (+7.13%)	$247,312 (+7.14%) Land $55,000 Building $192,312
2023		$43,860
2022			$230,840 Land $55,000 Building $175,840

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Charles County (29183C), updated August 25, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 291833118022, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	5 (1979–2015)
Claims Outside the SFHA	3 of 5
Most Recent Claim	Dec 2015, other causes, Severe Storms, Tornadoes, Straight-line Winds, And Flooding

Wildfire

Wildfire Risk	Low above 4% of the US · above 6% of Missouri
Wildfire Likelihood	Less than 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 299 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Gateway Fiber Holdings	Fiber	2,000 / 2,000
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
AT&T	Fixed Wireless	100 / 20
T-Mobile USA	Fixed Wireless	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Spectrum, Wisper ISP. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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