St. Charles County property record for 46 N Kern Dr, O Fallon, MO 63366
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 952 sqft · built 1971 |
| Lot Size | 0.252 acres (10,960 sqft) |
| Owner | Individual Name on File |
| Last Sale | $195,000 (Feb 2023) |
| Tax Bill | $2,289 (2025) |
| Deeds & Mortgages | Feb 2023 Mortgage Jun 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 791970A000 |
| Primary APN | 791970A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 952 sqft Living Area |
| Gross Area | 1,904 sqft |
| 1st Floor Area | 952 sqft |
| Basement Area | 952 sqft |
| Year Built | Built 1971 |
|---|---|
| Effective Year Built | Effective 1971 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,960 sqft (0.252 acres) |
| Lot Dimensions | 137 ft deep x 80 ft wide |
| Garage Type | Carport |
| Garage Area | 240 sqft |
| Carport | Carport |
| Carport Area | 240 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
|---|---|
| Porch Area | 174 sqft |
| Deck Area | Deck Area |
| Patio Area | 72 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 791970A000 |
|---|---|
| Street Address | 46 N KERN DR |
| City | O FALLON |
| State | MO |
| Zip | 63366-3804 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AF0 |
| Legal Description | OFALLON HILLS BLK 4 LOT 1 |
| Legal Subdivision | OFALLON HILLS |
| Legal Block | 4 |
| Legal Lot Number | 1 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | LAKE ST. LOUIS |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 311907 |
46 N Kern Dr is owned and occupied by an individual who bought it in February 2023.
Source: St. Charles County records, as of September 10, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 46 N KERN DR, O FALLON, MO 63366-3804 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Feb 3, 2023 | Intrafamily Transfer, Transfer · Conventional Mortgage STIFEL BANK & TRUST |
| Jun 29, 2021 | Deed of Trust, Mortgage · Conventional Mortgage DAS ACQUISITION |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 3, 2023 · Amount on File |
| Deed Sale | Feb 3, 2023 · Amount on File |
| Prior Sale | Feb 3, 2023 · Amount on File |
| Deed Document Number | 20234278 |
| Prior Transfer Date | Jan 18, 2023 |
| Prior Transfer Doc | 0000004277 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Feb 3, 2023 |
| Property Address | 46 N KERN DR, O FALLON, MO 63366-3804 |
| Document Number | 0000004278 |
| Map Reference | MB 6 PG 82 |
| Instrument Date | Jan 27, 2023 |
| Instrument | 2023R-004278 |
| Transaction Type | Transfer |
| Record Updated | Feb 16, 2023 |
| Title Company | INVESTORS TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 46 N KERN DR, O FALLON, MO 63366-3804 |
| Name | Verified Name |
|---|---|
| Address | 46 N KERN DR, O FALLON, MO 63366-3804 |
| Document Number | 0000004279 |
|---|---|
| Date | Feb 3, 2023 |
| Instrument | 2023R-004279 |
| Name | STIFEL BANK & TRUST |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 46 N KERN DR, O FALLON, MO 63366-3804 |
| Transaction Type | Mortgage |
| Record Updated | Jul 14, 2021 |
| Name | Verified Name |
|---|---|
| Address | 46 N KERN DR, O FALLON, MO 63366-3804 |
| Document Number | 2021R054504 |
|---|---|
| Date | Jun 29, 2021 |
| Instrument | 2021R-054504 |
| Name | DAS ACQUISITION |
|---|---|
| Type | Mortgage Company |
| Address | SAINT LOUIS, MO 63141 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 301 Months |
| Due | Jul 1, 2046 |
The 2025 property tax bill for 46 N Kern Dr was $2,289.
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Unified School District | Wentzville R-IV School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $35,645 (-) | $187,604 (-) Building $187,604 | |
| 2025 | $2,289.00 | $35,645 | $187,604 |
| 2023 | $31,398 | ||
| 2022 | $165,253 Land $40,000 Building $125,253 |
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 46 N Kern Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1982.
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 |
| Nearby Flood Claims | 2 (1982–1983) |
| Most Recent Claim | Apr 1983 · rainfall accumulation |
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 46 N Kern Dr is low, with a 0.03% 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 | 0.03% annual chance |
| Exposure | None beyond ember reach |
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 440 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| i3 Broadband Fiber | 8,000 / 8,000 |
| Gateway Fiber Fiber | 2,000 / 2,000 |
| 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 Fixed Wireless | 100 / 20 |
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