432 Smithton Blvd, O Fallon, MO 63368 Property Records

St. Charles County property record for 432 Smithton Blvd, O Fallon, MO 63368

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,752 sqft · built 2023
Lot Size	0.189 acres (8,228 sqft)
Owner	2 Individual Names on File
Last Sale	$581,686 (Oct 2023)
Tax Bill	$7,667 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Oct 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`T232000231`

Property Details

APN / Parcel Number

Primary APN	`T232000231`
Alternative APN	`4-0068-D263-00-0321.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,752 sqft Living Area
Gross Area	3,968 sqft
Basement Area	1,216 sqft

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Architectural Style	Bi-Level
Exterior Material	Brick
Lot Area	8,228 sqft (0.189 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Account Number	T232000231
Street Address	432 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 321
Legal Subdivision	STREETS OF CALEDONIA #7
Legal Lot Number	321
Jurisdiction	ST CHARLES MO
Township / Civil Division	BOONE
Census Block Group	2
Census Block	2010
Census Tract	312207

Owner

432 Smithton Blvd is owned and occupied by two individuals who bought it in October 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	432 SMITHTON BLVD, O FALLON, MO 63368-2312
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Dec 31, 2025	Deed of Trust, Mortgage · Conventional Mortgage FIRST COMMUNITY CU
Oct 27, 2023	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage VICTORY MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 27, 2023 · Amount on File
Deed Sale	Oct 27, 2023 · Amount on File
Deed Document Number	202344412
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	432 SMITHTON BLVD, O FALLON, MO 63368-2312
Transaction Type	Mortgage
Record Updated	Jan 14, 2026
Title Company	TOUCHSTONE TITLE AND ABSTRACT, TOUCHSTONE TITLE & ABSTRACT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	432 SMITHTON BLVD, O FALLON, MO 63368-2312

Mortgage

Document Number	0000058828
Date	Dec 31, 2025
Instrument	2025R-058828

Lender

Name	FIRST COMMUNITY CU
Type	Credit Union
Address	CHESTERFIELD, MO 63005

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Type Change Date	Jan 1, 2031
Change Frequency	5 Years
Min Rate At Change	3.5%
Max Rate At Change	7.5%
Index	5-Year TN
Margin	2
Max Rate	11.5%

October 2023: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Oct 27, 2023
Property Address	432 SMITHTON BLVD, O FALLON, MO 63368-2312
Document Number	0000044412
Map Reference	DOC 2022R-039999
Instrument Date	Oct 20, 2023
Instrument	2023R-044412
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 17, 2024
Title Company	HOMESTEAD TITLE COMPANY, HOMESTEAD TITLE AGENCY LP

Transaction

Tax	$0.00
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
Address	432 SMITHTON BLVD, O FALLON, MO 63368-2312

Mortgage

Document Number	0000044413
Date	Oct 27, 2023
Instrument	2023R-044413

Lender

Name	VICTORY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 432 Smithton Blvd was $7,667.

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		$115,753 (-)	$609,228 (-) Land $70,000 Building $539,228
2025	$7,667.00	$115,753	$609,228 Land $70,000 Building $539,228
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

FEMA maps place 432 Smithton Blvd 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 432 Smithton Blvd is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 67% of the US · lower than 78% 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 175 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: AT&T, Brightspeed, Sparklight.

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