St. Charles County property record for 456 White Chapel Dr, O Fallon, MO 63368
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,306 sqft · built 1992 |
| Lot Size | 0.26 acres (11,326 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $3,609 (2025) |
| Deeds & Mortgages | Jun 2026 Sale Jun 2026 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | A903000479 |
| Primary APN | A903000479 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 2,306 sqft Living Area |
| Gross Area | 3,176 sqft |
| 1st Floor Area | 1,007 sqft |
| Basement Area | 874 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1992 |
| Architectural Style | Bi-Level |
| Exterior Material | Wood |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 11,326 sqft (0.26 acres) |
| Garage Type | Attached |
| Garage Area | 506 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 80 sqft |
| Patio Area | 200 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | A903000479 |
|---|---|
| Street Address | 456 WHITE CHAPEL DR |
| City | O FALLON |
| State | MO |
| Zip | 63368-8024 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CARRIAGE HILLS #2 LOT 144 |
| Legal Subdivision | CARRIAGE HILLS #2 |
| Legal Lot Number | 144 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | BOONE |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 311151 |
456 White Chapel Dr is owned and occupied by an individual who acquired it in June 2026.
Source: St. Charles County records, as of September 11, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 456 WHITE CHAPEL DR, O FALLON, MO 63368-8024 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jun 17, 2026 | Warranty Deed, Transfer FREEDOM TITLE |
| Jun 17, 2026 | Deed, Transfer · Conventional Mortgage GUILD MORTGAGE COMPANY |
| Jun 5, 2023 | Warranty Deed, Transfer · Conventional Mortgage FIRST STATE BANK OF ST CHARLES MO |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 17, 2026 |
| Deed Sale | Jun 17, 2026 |
| Prior Sale | Jun 17, 2026 · Amount on File |
| Deed Document Number | 202628409 |
| Prior Transfer Date | Jun 19, 2012 |
| Prior Transfer Doc | 0000486240 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jun 17, 2026 |
| Property Address | 456 WHITE CHAPEL DR, O FALLON, MO 63368-8024 |
| Document Number | 0000028409 |
| Instrument Date | Jun 11, 2026 |
| Instrument | 202628409 |
| Transaction Type | Transfer |
| Record Updated | Jul 12, 2026 |
| Title Company | FREEDOM TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 456 WHITE CHAPEL DR, O FALLON, MO 63368-8024 |
| Document Type | Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jun 17, 2026 |
| Property Address | 456 WHITE CHAPEL DR, O FALLON, MO 63368-8024 |
| Document Number | 0000028408 |
| Instrument Date | Jun 2, 2026 |
| Instrument | 202628408 |
| Transaction Type | Transfer |
| Record Updated | Jun 26, 2026 |
| Title Company | FREEDOM TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Estimated Sale Price |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 456 WHITE CHAPEL DR, O FALLON, MO 63368-8024 |
| Document Number | 0000028410, |
|---|---|
| Date | Jun 17, 2026 |
| Instrument | 202628410 |
| Name | GUILD MORTGAGE COMPANY |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.37% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jun 5, 2023 |
| Property Address | 456 WHITE CHAPEL DR, O FALLON, MO 63368-8024 |
| Document Number | 0000021436 |
| Map Reference | MB 29 PG 193 |
| Instrument Date | May 31, 2023 |
| Instrument | 2023R-021436 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2024 |
| Title Company | INVESTORS TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 12 GATESWOOD DR, SAINT PETERS, MO 63376-1211 |
| Name | Verified Name |
|---|---|
| Address | 456 WHITE CHAPEL DR, O FALLON, MO 63368-8024 |
| Document Number | 0000021437 |
|---|---|
| Date | Jun 5, 2023 |
| Instrument | 2023R-021437 |
| Name | FIRST STATE BANK OF ST CHARLES MO |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2053 |
The 2025 property tax bill for 456 White Chapel Dr was $3,609, up 10.3% from the year before.
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | O'Fallon City |
| Unified School District | Francis Howell R-III School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $59,187 (-) | $311,508 (-) Land $65,000 Building $246,508 | |
| 2025 | $3,609.00 (+10.3%) | $59,187 | $311,508 Land $65,000 Building $246,508 |
| 2024 | $3,272.00 | ||
| 2023 | $51,966 | ||
| 2022 | $273,507 Land $65,000 Building $208,507 |
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.
FEMA maps place 456 White Chapel Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 2 (1986–2003) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Jun 2003 · river or lake 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 risk around 456 White Chapel Dr is low, with a 0.01% annual chance of 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 | 0.01% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 117 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| i3 Broadband Fiber | 8,000 / 8,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Wisper ISP Fixed Wireless | 400 / 30 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL | 100 / 20 |
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