511 Charles Pl, O Fallon, MO 63366 Property Records

St. Charles County property record for 511 Charles Pl, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,040 sqft · built 1957
Lot Size	0.344 acres (15,000 sqft)
Owner	Individual Name on File
Last Sale	$125,000 (Mar 2017)
Tax Bill	$3,672 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Nov 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`320580A000`

Property Details

APN / Parcel Number

Primary APN	`320580A000`
Alternative APN	`2-0043-4329-00-0100.0000000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,040 sqft Living Area
1st Floor Area	1,040 sqft
Basement Area	1,040 sqft
Finished Basement	728 sqft

Exterior

Year Built	Built 1957
Architectural Style	Ranch
Exterior Material	Composition/Composite
Lot Area	15,000 sqft
Lot Dimensions	150 ft deep x 100 ft wide
Garage Type	Attached
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	24 sqft

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Account Number	320580A000
Old Parcel Number	320580A000
Street Address	511 CHARLES PL
City	O FALLON
State	MO
Zip	63366-1316
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	LAKE CHAS HILLS LOT 100
Legal Range	02E
Legal Township	47N
Legal Subdivision	LAKE CHAS HILLS
Legal Lot Number	100
Jurisdiction	ST CHARLES MO
Township / Civil Division	WENTZVILLE
Census Block Group	1
Census Block	1018
Census Tract	311801

Owner

Source: St. Charles County assessment roll, as of July 1, 2025

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	511 CHARLES PL, O FALLON, MO 63366-1316
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 16, 2025	Deed of Trust, Mortgage · Partial Claim Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Nov 12, 2021	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC
Mar 21, 2017	Warranty Deed, Transfer · FHA Mortgage DAS ACQUISITION
Mar 21, 2017	Quit Claim Deed, Transfer NETCO TITLE

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 21, 2017 · Amount on Record
Deed Sale	Mar 21, 2017 · Amount on Record
Prior Sale	Jul 29, 2015
Deed Document Number	0000671519
Deed Book / Page	6715 / 19
Record Updated	Jun 8, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	511 CHARLES PL, O FALLON, MO 63366-1316
Transaction Type	Mortgage
Record Updated	Jan 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	511 CHARLES PL, COTTLEVILLE, MO 63366-1316

Mortgage

Document Number	0000056323
Date	Dec 16, 2025
Instrument	2025R-056323

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20416

Agreement

Type	Partial Claim Mortgage
Amount	Amount Recorded
Term	478 Months
Due	Oct 1, 2065

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	511 CHARLES PL, O FALLON, MO 63366-1316
Transaction Type	Mortgage
Record Updated	Aug 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	511 CHARLES PL, O FALLON, MO 63366-1316

Mortgage

Document Number	0000093158
Date	Nov 12, 2021
Instrument	2021R-093158

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	MADISON HEIGHTS, MI 48071

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Mar 21, 2017
Property Address	511 CHARLES PL, O FALLON, MO 63366-1316
Document Number	0067150019
Book / Page	006715 / 000019
Instrument Date	Mar 20, 2017
Instrument	168380
Transaction Type	Transfer
Record Updated	Apr 5, 2017
Title Company	NETCO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	511 CHARLES PL O FALLON MO 633661316, O FALLON, MO 63366-1316

Mortgage

Document Number	67150023
Date	Mar 21, 2017
Book Page	006715/000023
Instrument	168400

Lender

Name	DAS ACQUISITION
Address	SAINT LOUIS, MO 63141

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 20, 2047

March 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CHARLES MO
Recording Date	Mar 21, 2017
Property Address	511 CHARLES PL, O FALLON, MO 63366-1316
Document Number	0067150016
Book / Page	006715 / 000016
Instrument Date	Mar 3, 2017
Instrument	168370
Transaction Type	Transfer
Record Updated	Mar 28, 2017
Title Company	NETCO TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	511 CHARLES PL O FALLON MO 633661316, O FALLON, MO 63366-1316

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Unified School District	Fort Zumwalt R-II School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,672.00	$38,485 (+3.6%)	$202,555 (+3.6%) Land $50,000 Building $152,555
2023		$37,148
2022			$195,514 Land $50,000 Building $145,514

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	5 in force
Nearby Flood Claims	42 (1979–2022)
Claims Outside the SFHA	6 of 42
Most Recent Claim	Jul 2022 · Severe Storms And Flooding
Claims by Event	Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Dec 2015 · 3 claims Severe Storms & Flooding, Jul 1993 · 8 claims

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 64% of the US · lower than 73% of Missouri
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation at the parcel

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 138 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Gateway Fiber Holdings Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
T-Mobile USA Fixed Wireless	100 / 20

May also be available: Wisper ISP.

Cell Coverage

5G and 4G LTE (outdoors only)

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