5 Laws Pass, O Fallon, MO 63366 Property Records

St. Charles County property record for 5 Laws Pass, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 3,308 sqft · built 2001
Lot Size	0.27 acres (11,761 sqft)
Owner	2 Individual Names on Record
Last Sale	$386,000 (Jan 2023)
Tax Bill	$4,457 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Jan 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T010300560`

Property Details

APN / Parcel Number

Primary APN	`T010300560`
Alternative APN	`2-0104-8636-00-0173.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	3,308 sqft Living Area
Gross Area	4,178 sqft
1st Floor Area	1,898 sqft
Basement Area	1,880 sqft
Finished Basement	1,410 sqft
Unfinished Basement	470 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Ranch
Exterior Material	Brick/Stone
Lot Area	11,761 sqft (0.27 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	60 sqft
Deck Area	Deck Area
Patio Area	198 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T010300560
Street Address	5 LAWS PASS
City	O FALLON
State	MO
Zip	63366-4471
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CROSSINGS VLG C #2 LOT 173
Legal Subdivision	CROSSINGS VLG C #2
Legal Lot Number	173
Jurisdiction	ST CHARLES MO
Township / Civil Division	O'FALLON
Census Block Group	5
Census Block	5001
Census Tract	311602

Owner

Source: St. Charles County records, as of September 10, 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	5 LAWS PASS, O FALLON, MO 63366-4471
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 17, 2026	Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO
Jan 17, 2023	Warranty Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO
Oct 30, 2020	Deed of Trust, Mortgage FIRST ST BK/ST CHARLES

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 17, 2023 · Amount on Record
Deed Sale	Jan 17, 2023 · Amount on Record
Prior Sale	Oct 1, 2010 · Amount on Record
Deed Document Number	20231890
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	5 LAWS PASS, O FALLON, MO 63366-4471
Transaction Type	Mortgage
Record Updated	Mar 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5 LAWS PASS, O FALLON, MO 63366-4471

Mortgage

Document Number	0000007073
Date	Feb 17, 2026
Instrument	2026R-007073

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jan 17, 2023
Property Address	5 LAWS PASS, O FALLON, MO 63366-4471
Document Number	0000001890
Map Reference	MB 37 PG 247&248
Instrument Date	Jan 12, 2023
Instrument	2023R-001890
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	NOT AVAILABLE, LEADERS TITLE COMPANY LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1800 SWAYING OAKS RD, WENTZVILLE, MO 63385-2304

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5 LAWS PASS, O FALLON, MO 63366-4471

Mortgage

Document Number	0000001891
Date	Jan 17, 2023
Instrument	2023R-001891

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2053

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	5 LAWS PASS, O FALLON, MO 63366-4471
Document Number	0000086707
Instrument Date	Oct 30, 2020
Transaction Type	Mortgage
Record Updated	Feb 25, 2021
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5 LAWS PASS O FALLON MO 633664471, O FALLON, MO 63366-4471

Mortgage

Document Number	0000086707
Date	Nov 9, 2020
Instrument	86707

Lender

Name	FIRST ST BK/ST CHARLES
Type	Bank
Address	CHARLES, MO 63301

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Nov 8, 2035

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	O'Fallon City
Unified School District	Fort Zumwalt R-II School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$69,453 (-)	$365,540 (-) Land $80,000 Building $285,540
2025	$4,457.00	$69,453 (+10.88%)	$365,540 (+10.88%) Land $80,000 Building $285,540
2023		$62,638
2022			$329,673 Land $50,000 Building $279,673

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.

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	5 in force

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	Low lower than 66% of the US · lower than 76% of Missouri
Wildfire Likelihood	0.03% 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	OFALLON PWS serves 32,515 people · EPA ID MO6010588
Water Source	Purchased surface water from several systems
Last State Inspection	Aug 2024
Lead	2 ppb (2023–2025) 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 19 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Gateway Fiber Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Wisper ISP.

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