St. Charles County property record for 431 White Chapel Dr, O Fallon, MO 63368
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,524 sqft · built 1992 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $3,683 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | A923000170 |
| Primary APN | A923000170 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,524 sqft Living Area |
| Gross Area | 3,469 sqft |
| 1st Floor Area | 1,524 sqft |
| Basement Area | 1,432 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1992 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,019 sqft (0.23 acres) |
| Terrain | Rolling |
| Garage Type | Attached |
| Garage Area | 513 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 319 sqft |
| Patio Area | 400 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | A923000170 |
|---|---|
| Street Address | 431 WHITE CHAPEL DR |
| City | O FALLON |
| State | MO |
| Zip | 63368-8025 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CARRIAGE HILLS #3 LOT 178 |
| Legal Subdivision | CARRIAGE HILLS #3 |
| Legal Lot Number | 178 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | BOONE |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 311151 |
431 White Chapel Dr is owned and occupied by an individual who acquired it in December 2015.
Source: St. Charles County records, as of August 7, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 431 WHITE CHAPEL DR, O FALLON, MO 63368-8025 |
| 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 | Name on Deed |
|---|---|
| Last Transfer Date | Dec 9, 2015 |
| Transfer Doc | 0064691228 |
| Record Updated | Sep 20, 2026 |
The 2025 property tax bill for 431 White Chapel Dr was $3,683.
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 | Francis Howell R-III School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $60,410 (-) | $317,946 (-) Land $65,000 Building $252,946 | |
| 2025 | $3,683.00 | $60,410 | $317,946 Land $65,000 Building $252,946 |
| 2023 | $55,196 | ||
| 2022 | $290,504 Land $65,000 Building $225,504 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 431 White Chapel Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1986.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 2 (1986–2003) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Jun 2003 · river or lake flooding |
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 431 White Chapel Dr is low, with 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 80% of the US · lower than 84% of Missouri |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect within ember reach |
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 | 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 |
| 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 117 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| i3 Broadband Fiber | 8,000 / 8,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Wisper ISP Fixed Wireless | 400 / 30 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL | 100 / 20 |
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