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513 Charles Pl, O Fallon, MO 63366 Property Records

St. Charles County property record for 513 Charles Pl, O Fallon, MO 63366

Property Summary

Property TypeResidential Vacant Land
Details1 ba
Lot Size0.401 acres (17,500 sqft)
OwnerIndividual Name on Record
Last Sale$50,000 (May 2024)
Tax Bill$1,460 (2025)
Deeds & MortgagesMar 2026 Mortgage
May 2024 Sale
+ 1 more
Flood ZoneZone X (minimal risk)
APN320550A000

Property Details

APN / Parcel Number

Primary APN320550A000
Alternative APN
  • 2-0043-4329-00-0099.0000000

Interior

Full Baths1 Bath

Exterior

Lot Area17,500 sqft
Lot Dimensions140 ft deep x 125 ft wide
TerrainRolling

Location & Zoning

Account Number320550A000
Old Parcel Number320550A000
Street Address513 CHARLES PL
CityO FALLON
StateMO
Zip63366-1316
Property CategoryResidential
Property TypeVacant Land > Residential
Local Zoning CodeAF0
Legal DescriptionLAKE CHAS HILLS LOT 99
Legal Range02E
Legal Township47N
Legal SubdivisionLAKE CHAS HILLS
Legal Lot Number99
JurisdictionST CHARLES MO
Township / Civil DivisionWENTZVILLE
Census Block Group1
Census Block1018
Census Tract311801

Owner

Source: St. Charles County records, as of March 16, 2026

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

Owner of RecordIndividual Name on Record
Mailing Address5207 BRADY WAY, LAKE SAINT LOUIS, MO 63367-4162
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Mar 10, 2026Deed of Trust, Mortgage · Commercial Mortgage
PEOPLES BANK & TRUST CO
May 8, 2024Warranty Deed, Transfer
DUNE TITLE COMPANY LLC, TRUE TITLE COMPANY LLC
Feb 8, 2019Special Warranty Deed, Transfer · Commercial Mortgage
CITIZENS NATL BANK OF GREATER ST LO

Assessor's Deed Record

Deed NamesName on Deed
Last SaleMay 8, 2024 · Amount on Record
Deed SaleMay 8, 2024 · Amount on Record
Prior SaleFeb 8, 2019 · Amount on Record
Deed Document Number0202417714
Deed Book / Page2024 / 17714
Record UpdatedJun 8, 2026

March 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST CHARLES MO
Property Address513 CHARLES PL, O FALLON, MO 63366-1316
Transaction TypeMortgage
Record UpdatedMar 24, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address5207 BRADY WAY, LAKE ST LOUIS, MO 63367-4162

Mortgage

Document Number0000010867
DateMar 10, 2026
Instrument2026R-010867
Lender
NamePEOPLES BANK & TRUST CO
TypeBank
AddressTROY, MO 63379
Agreement
TypeCommercial Mortgage
AmountAmount Recorded

May 2024: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionST CHARLES MO
Recording DateMay 8, 2024
Property Address513 CHARLES PL, O FALLON, MO 63366-1316
Document Number0000017714
Map ReferenceMB 6 PG 16
Instrument DateMay 1, 2024
Instrument2024R-017714
Transaction TypeTransfer
Record UpdatedMay 21, 2024
Title CompanyDUNE TITLE COMPANY LLC, TRUE TITLE COMPANY LLC

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address934 MOLLOY DR, O FALLON, MO 63366-3229

Transferred To (Grantee/Buyer)

NameVerified Name
Address5207 BRADY WAY, LAKE ST LOUIS, MO 63367-4162

February 2019: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionST CHARLES MO
Recording DateFeb 8, 2019
Property Address513 CHARLES PL, O FALLON, MO 63366-1316
Document Number0070340657
Book / Page7034 / 0657
Map ReferenceMB 6 PG 16
Instrument DateFeb 5, 2019
Instrument20190208000060200
Transaction TypeTransfer
Record UpdatedAug 9, 2021

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address604 LAKE DR, 604, O FALLON, MO 63366-1323

Transferred To (Grantee/Buyer)

NameVerified Name
Address866 SHERWOOD FOREST CT, O FALLON, MO 63366-3169
InvestorPossibly a Property Investor

Mortgage

Document Number20190208000060210
DateFeb 8, 2019
Instrument20190208000060210
Lender
NameCITIZENS NATL BANK OF GREATER ST LO
TypeBank
Agreement
TypeCommercial Mortgage
AmountAmount Recorded
Term60 Months
DueFeb 5, 2024

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateMissouri
CountySt. Charles County
Unified School DistrictFort Zumwalt R-II School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,460.00$1,229 (-)$6,470 (-) Land $6,470
2023$1,229
2022$6,470 Land $6,470

Assessed value is set for property tax purposes, not a market price estimate; it is 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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies5 in force
Nearby Flood Claims42 (1979–2022)
Claims Outside the SFHA6 of 42
Most Recent ClaimJul 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 RiskLow
lower than 64% of the US · lower than 73% of Missouri
Wildfire Likelihood0.03% annual chance
ExposureDirect
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 SystemOFALLON PWS
serves 32,515 people · EPA ID MO6010588
Water SourcePurchased surface water from several systems
Last State InspectionAug 2024
Lead2 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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

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

May also be available: Wisper ISP.

Cell Coverage

5G and 4G LTE (outdoors only)

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