433 Fanning Ave, O Fallon, MO 63366 Property Records

St. Charles County property record for 433 Fanning Ave, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,596 sqft · built 1963
Lot Size	0.34 acres (14,810 sqft)
Owner	2 Individual Names on Record
Last Sale	$247,000 (Feb 2025)
Tax Bill	$2,141 (2025)
Deeds & Mortgages	Nov 2020 Mortgage Nov 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`203580A000`

Property Details

APN / Parcel Number

Primary APN	`203580A000`
Alternative APN	`2-057A-S029-00-0138.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,596 sqft Living Area
Gross Area	2,492 sqft
1st Floor Area	1,064 sqft
Basement Area	1,064 sqft
Finished Basement	532 sqft
Unfinished Basement	532 sqft

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Architectural Style	Ranch
Exterior Material	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	14,810 sqft (0.34 acres)
Lot Dimensions	198 ft deep x 73 ft wide
Garage Type	Attached
Garage Area	364 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Porch
Porch Area	110 sqft
Deck Area	Deck Area
Patio Area	405 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	203580A000
Street Address	433 FANNING AVE
City	O FALLON
State	MO
Zip	63366-2505
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AE9
Legal Description	PT N FRL 1/2 SW 1/4 NE 1/4
Legal Range	3
Legal Township	47
Legal Section	02
Legal Lot Number	138
Jurisdiction	ST CHARLES MO
Township / Civil Division	WENTZVILLE
Census Block Group	2
Census Block	2034
Census Tract	311802

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	433 FANNING AVE, O FALLON, MO 63366-2505
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Nov 25, 2020	Deed of Trust, Mortgage LEADER ONE FIN'L
Nov 7, 2018	Warranty Deed, Transfer · FHA Mortgage LEADER ONE FINANCIAL CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 18, 2025 · Amount on Record
Deed Sale	Feb 18, 2025 · Amount on Record
Prior Sale	Nov 7, 2018 · Amount on Record
Deed Document Number	20256409
Prior Transfer Date	Nov 17, 2000
Prior Transfer Doc	0000003684
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	433 FANNING AVE, O FALLON, MO 63366-2505
Document Number	0000095276
Instrument Date	Nov 25, 2020
Transaction Type	Mortgage
Record Updated	Mar 5, 2021
Title Company	TITLE PARTNERS AGENCY LLC, TITLE PTRS AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	433 FANNING AVE O FALLON MO 633662505, O FALLON, MO 63366-2505

Mortgage

Document Number	0000095276
Date	Dec 7, 2020
Instrument	95276

Lender

Name	LEADER ONE FIN'L
Type	Funding / Finance Company
Address	OVERLAND PARK, KS 66210

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Dec 6, 2050

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Nov 7, 2018
Property Address	433 FANNING AVE, O FALLON, MO 63366-2505
Document Number	0070001104
Book / Page	7000 / 1104
Instrument Date	Nov 5, 2018
Instrument	20181107000634280
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	INVESTORS TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	128 RIDGECREST DR, 128, TROY, MO 63379-4880

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	433 FANNING AVE, TROY, MO 63379

Mortgage

Document Number	20181107000634290
Date	Nov 7, 2018
Instrument	20181107000634290

Lender

Name	LEADER ONE FINANCIAL CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2048

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	Tax Bill	Assessed Value	Assessed Market Value
2026		$33,019 (-)	$173,786 (-) Land $33,000 Building $140,786
2025	$2,141.00	$33,019 (+3.72%)	$173,786 (+3.72%) Land $33,000 Building $140,786
2023		$31,836
2022			$167,556 Land $25,000 Building $142,556

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

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
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 · Severe Storms, Tornadoes, Straight-line Winds, And 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

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

Wildfire Risk	Low lower than 97% of the US · lower than 95% of Missouri
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 234 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Gateway Fiber Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: AT&T, Brightspeed, Wisper ISP.

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