45 Susan Ave, O Fallon, MO 63368 Property Records

St. Charles County property record for 45 Susan Ave, O Fallon, MO 63368

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,887 sqft · built 1970
Lot Size	0.459 acres (20,000 sqft)
Owner	Company Name on Record
Tax Bill	$2,312 (2025)
Deeds & Mortgages	Dec 2021 Sale Nov 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`803927A000`

Property Details

APN / Parcel Number

Primary APN	`803927A000`
Alternative APN	`4-0078-4349-00-0028.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,887 sqft Living Area
Gross Area	2,608 sqft
1st Floor Area	1,112 sqft
Basement Area	1,056 sqft
Finished Basement	775 sqft
Unfinished Basement	281 sqft

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Architectural Style	Ranch
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	20,000 sqft (0.459 acres)
Lot Dimensions	200 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	188 sqft
Deck Area	Deck Area
Patio Area	300 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	803927A000
Street Address	45 SUSAN AVE
City	O FALLON
State	MO
Zip	63368-7012
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	MARTELL SUB LOT 28
Legal Subdivision	MARTELL SUB
Legal Lot Number	28
Jurisdiction	ST CHARLES MO
Township / Civil Division	BOONE
Census Block Group	3
Census Block	3029
Census Tract	311153

Owner

Source: St. Charles County records, as of August 7, 2026

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

Owner of Record	Company Name on Record
Mailing Address	14355 COMMERCE WAY, MIAMI LAKES, FL 33016-1502
Owner Type	Company
Vesting	Limited Liability Company

Deeds, Mortgages & Sale History

Date	Document
Dec 8, 2021	Warranty Deed, Transfer
Nov 13, 2017	Warranty Deed, Transfer · Conventional Mortgage FIRST BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 8, 2021
Deed Sale	Dec 8, 2021
Prior Sale	Nov 13, 2017 · Amount on Record
Deed Document Number	202199211
Prior Transfer Date	Jun 23, 1997
Prior Transfer Doc	0000035438
Record Updated	Sep 20, 2026

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Dec 8, 2021
Property Address	45 SUSAN AVE, O FALLON, MO 63368-7012
Document Number	0000099211
Map Reference	MB 8 PG 24
Instrument Date	Dec 1, 2021
Instrument	2021R-099211
Transaction Type	Transfer
Record Updated	Oct 4, 2022

Transaction

Tax	$0.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14355 COMMERCE WAY, MIAMI LAKES, FL 33016-1502
Investor	Possibly a Property Investor

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Nov 13, 2017
Property Address	45 SUSAN AVE, O FALLON, MO 63368-7012
Document Number	0000703540
Book / Page	6837 / 0173
Map Reference	MB 8 PG 24
Instrument Date	Nov 3, 2017
Instrument	20171113000703540
Transaction Type	Transfer
Record Updated	Oct 4, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	916 CARPATHIAN DR, 916, LAKE SAINT LOUIS, MO 63367-4892

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 SUSAN AVE, O FALLON, MO 63368-7012

Mortgage

Document Number	0000703550
Date	Nov 13, 2017
Instrument	20171113000703550

Lender

Name	FIRST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2047

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of August 7, 2026

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Unified School District	Wentzville R-IV School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$37,053 (-)	$195,016 (-) Land $35,000 Building $160,016
2025	$2,312.00 (-4.27%)	$37,053 (-1.6%)	$195,016 (-1.6%) Land $35,000 Building $160,016
2024	$2,415.00
2023		$37,656
2022			$198,190 Building $198,190

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective August 25, 2024

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 80% of the US · lower than 84% of Missouri
Wildfire Likelihood	0.02% 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 178 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
i3 Broadband Fiber	8,000 / 8,000
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Brightspeed.

Nearby Properties on Susan Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures