St. Charles County property record for 45 Chip Dr, O Fallon, MO 63366 · Last verified March 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 2 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1987 |
| Square Footage | 916 sqft Living Area |
| Lot Size | 8,276 sqft (0.189 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $177,000 (2018) |
| Tax Bill | $2,977.00 (2025) |
Source: St. Charles County records · APN A882000009
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 | 45 CHIP DR, O FALLON, MO 63366-2940 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Dec 12, 2022 | Beneficiary Deed, Transfer |
| Aug 08, 2017 | Deed of Trust, Mortgage · Conventional Mortgage HNB NATIONAL BANK |
| May 19, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FLAT BRANCH HOME LOANS INC |
| May 24, 2018 | Warranty Deed, Transfer · Conventional Mortgage GERSHMAN INVESTMENT CORP |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | May 24, 2018 · Amount on Record |
| Deed Sale | May 24, 2018 · Amount on Record |
| Prior Sale | Nov 08, 2013 · Amount on Record |
| Deed Doc Number | 0069232159 |
| Deed Book / Page | 6923 / 2159 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Beneficiary Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Dec 12, 2022 |
| Property Address | 45 CHIP DR, O FALLON, MO 63366-2940 |
| Document Number | 0000065339 |
| Map Reference | MB 26 PG 108 |
| Instrument Date | Dec 07, 2022 |
| Instrument | 2022R-065339 |
| Transaction Type | Transfer |
| Record Updated | Dec 23, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Zero or No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 63 CHIP DR, O FALLON, MO 63366-2940 |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Living Trust |
| Address | 63 CHIP DR, O FALLON, MO 63366-2940 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 45 CHIP DR, O FALLON, MO 63366-2940 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0067872497 |
|---|---|
| Date | Aug 08, 2017 |
| Book Page | 6787/2497 |
| Instrument | 20170808000494820 |
| Name | HNB NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | WENTZVILLE, MO 63385 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 01, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 45 CHIP DR, O FALLON, MO 63366-2940 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0072981164 |
|---|---|
| Date | May 19, 2020 |
| Book Page | 7298/1164 |
| Instrument | 20200519000323990 |
| Name | FLAT BRANCH HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | COLUMBIA, MO 65201 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | May 24, 2018 |
| Property Address | 45 CHIP DR, O FALLON, MO 63366-2940 |
| Document Number | 0069232159 |
| Book / Page | 6923 / 2159 |
| Map Reference | MB 26 PG 108 |
| Instrument Date | May 24, 2018 |
| Instrument | 20180524000288180 |
| Transaction Type | Transfer |
| Record Updated | Aug 09, 2021 |
| Title Company | TITLE PARTNERS AGENCY LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount from Assessment |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 45 CHIP DR, O FALLON, MO 63366-2940 |
| Document Number | 20180524000288190 |
|---|---|
| Date | May 24, 2018 |
| Instrument | 20180524000288190 |
| Name | GERSHMAN INVESTMENT CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2048 |
Source: St. Charles County records · Assessment roll updated July 1, 2025 · Last verified March 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | O'Fallon City |
| Unified School District | Fort Zumwalt R-II School District (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,977.00 | $46,182 (+8.37%) | $243,064 (+8.37%) |
| 2023 | $42,615 | ||
| 2022 | $224,289 Land $50,000 Building $174,289 |
Source: FEMA National Flood Hazard Layer, St. Charles County (29183C), updated August 25, 2024 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified: October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
| Primary APN | A882000009 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 4 Rooms |
| Building Area | 916 sqft Living Area |
| 1st Floor | 916 sqft 1st Floor |
| Basement Area | 864 sqft Basement |
| Finished Basement | 507 sqft Finished |
| Stories | 1 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1987 |
|---|---|
| Architectural Style | Other Style |
| Exterior Material | Composition/Composite Exterior |
| Lot Area | 8,276 sqft (0.189 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached Garage |
| Patio Area | 288 sqft Patio |
|---|---|
| Porch | 1 Porch |
| Porch Area | 12 sqft Porch |
| Topography | Rolling Topography |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | Forced Air Heating |
| Sewage | Sewage Connected |
| Water Source | Yes (Unknown Type) Water Source |
| Account Number | A882000009 |
|---|---|
| Old Parcel Number | A882000009 |
| Street Address | 45 CHIP DR |
| City | O FALLON |
| State | MO |
| Zip | 63366-2940 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | PARK VIEW LOT 2 |
| Legal Range | 03E |
| Legal Township | 47N |
| Legal Subdivision | PARK VIEW |
| Legal Lot Number | 2 |
| Jurisdiction | ST CHARLES MO |
| Minor Civil Division | LAKE ST. LOUIS |
| Census Blockgroup | 2 |
| Census Block | 2015 |
| Census Tract | 311712 |
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