435 Guthrie Rd, O Fallon, MO 63366 Property Records

St. Charles County property record for 435 Guthrie Rd, O Fallon, MO 63366

Property Summary

Property Type	Farm - Irrigated or Dry
Details	2 bd · 2 ba · 3,282 sqft · built 1996
Lot Size	24.9 acres (1,088,016 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,383,200 (Feb 2026)
Tax Bill	$3,197 (2025)
Deeds & Mortgages	Feb 2026 Construction Loan Jan 2026 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`310290A000`

Property Details

APN / Parcel Number

Primary APN	`310290A000`
Alternative APN	`2-0048-S022-00-0011.0000000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	3,282 sqft Gross Area
1st Floor Area	1,366 sqft
Basement Area	1,366 sqft

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Ranch
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	1,088,016 sqft (24.9 acres)
Garage Type	Attached
Garage Area	550 sqft
Parking Spaces	2 Parking Spaces
Deck Area	Deck Area
Patio Area	468 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	310290A000
Street Address	435 GUTHRIE RD
City	O FALLON
State	MO
Zip	63366-4100
Property Category	Agriculture or Farming
Property Type	Agriculture / Farming > Farm - Irrigated or Dry
Legal Description	N1/2 SE1/4
Legal Range	2
Legal Township	47
Legal Section	02
Legal Lot Number	11
Jurisdiction	ST CHARLES MO
Township / Civil Division	WENTZVILLE
Census Block Group	3
Census Block	3040
Census Tract	312095

Owner

Source: St. Charles County records, as of September 11, 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	21 DIJON CT, LAKE SAINT LOUIS, MO 63367-1916
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Feb 25, 2026	Deed of Trust, Mortgage · Construction Mortgage BANK OF ENGLAND
Jan 9, 2026	Warranty Deed, Transfer · Conventional Mortgage BANK OF SPRINGFIELD
Apr 28, 2025	Warranty Deed, Transfer · Closed-End Mortgage HOMEBANK
May 24, 2023	Deed, Transfer
Nov 29, 2017	Deed of Trust, Mortgage · ARM FIRST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 25, 2026 · Amount on Record
Deed Sale	Feb 25, 2026 · Amount on Record
Prior Sale	Jan 9, 2026 · Amount on Record
Deed Document Number	20268658
Prior Transfer Date	Feb 20, 2026
Prior Transfer Doc	0000008658
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	435 GUTHRIE RD, O FALLON, MO 63366-4100
Transaction Type	Mortgage
Record Updated	Mar 11, 2026
Title Company	OLD REPUBLIC TITLE, ORT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21 DIJON CT, LAKE SAINT LOUIS, MO 63367-1916

Mortgage

Document Number	0000008659
Date	Feb 25, 2026
Instrument	2026R-008659

Lender

Name	BANK OF ENGLAND
Type	Bank
Address	SPRINGFIELD, IL 62703

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	11 Months
Due	Jan 20, 2027

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jan 9, 2026
Property Address	435 GUTHRIE RD, O FALLON, MO 63366-4100
Document Number	0000001422
Instrument Date	Jan 8, 2026
Instrument	2026R-001422
Transaction Type	Transfer
Record Updated	Jan 28, 2026
Title Company	INVESTORS TITLE COMPANY, INVESTORS TITLE COMPANY INC

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	435 GUTHRIE RD, O FALLON, MO 63366-4100

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21 DIJON CT, LAKE SAINT LOUIS, MO 63367-1916

Mortgage

Document Number	0000001423
Date	Jan 9, 2026
Instrument	2026R-001423

Lender

Name	BANK OF SPRINGFIELD
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	36 Months
Due	Jan 8, 2029

April 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Apr 28, 2025
Property Address	435 GUTHRIE RD, O FALLON, MO 63366-4100
Document Number	0000016903
Instrument Date	Apr 25, 2025
Instrument	2025R-016903
Transaction Type	Transfer
Record Updated	May 12, 2025

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	435 GUTHRIE RD, O FALLON, MO 63366-4100

Mortgage

Document Number	0000016904
Date	Apr 28, 2025
Instrument	2025R-016904

Lender

Name	HOMEBANK
Type	Bank
Address	PALMYRA, MO 63461

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 25, 2055

May 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	ST CHARLES MO
Recording Date	May 24, 2023
Property Address	435 GUTHRIE RD, O FALLON, MO 63366-4100
Document Number	0000019772
Instrument Date	Jan 18, 2023
Instrument	2023R-019772
Transaction Type	Transfer
Record Updated	Jun 8, 2023

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	435 GUTHRIE RD, O FALLON, MO 63366-4100

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	100 N MAIN ST, O FALLON, MO 63366-2200

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	435 GUTHRIE RD, O FALLON, MO 63366-4100
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0068451170
Date	Nov 29, 2017
Book Page	6845/1170
Instrument	20171129000739010

Lender

Name	FIRST BANK
Type	Bank
Address	SAINT LOUIS, MO 63141

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.37%
Type Change Date	Dec 1, 2024
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	8.37%
Index	1-Year LIBOR
Max Rate	8.37%

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	Josephville Village
Unified School District	Fort Zumwalt R-II School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$55,547 (-)	$296,892 (%) Land $66,059 Building $230,833
2025	$3,197.00	$55,547 (+6.49%)	$296,894 (+6.44%) Land $66,059 Building $230,835
2023		$52,160
2022			$278,922 Land $66,061 Building $212,861

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 · 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 6 (20% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (2022)
Most Recent Claim	Jul 2022 · Severe Storms 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	Moderate above 40% of the US · lower than 60% of Missouri
Wildfire Likelihood	0.05% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 82 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: Brightspeed, Verizon, Wisper ISP.

Cell Coverage

5G (outdoors only) and 4G LTE

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