St. Charles County property record for 6 Emerson Ct, O Fallon, MO 63366 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 3,704 sqft · built 2003 |
| Lot Size | 0.34 acres (14,810 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $510,000 (Apr 2026) |
| Tax Bill | $4,930 (2024) |
| Deeds & Mortgages | Mar 2021 Mortgage Apr 2026 Sale & Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | T010300210 |
| Primary APN | T010300210 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 3,704 sqft Living Area |
| Gross Area | 5,212 sqft |
| 1st Floor Area | 2,271 sqft |
| Basement Area | 2,261 sqft |
| Finished Basement | 1,433 sqft |
| Unfinished Basement | 828 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Lot Area | 14,810 sqft (0.34 acres) |
| Garage Type | Attached |
| Garage Area | 680 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 45 sqft |
| Deck Area | Deck Area |
| Patio Area | 252 sqft |
| Heating Fuel | Gas |
|---|---|
| Sewer | Connected |
| Account Number | T010300210 |
|---|---|
| Street Address | 6 EMERSON CT |
| City | O FALLON |
| State | MO |
| Zip | 63366-7444 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | VLGS AT WALDEN POND #1 LOT 212 |
| Legal Subdivision | VLGS AT WALDEN POND #1 |
| Legal Lot Number | 212 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | WENTZVILLE |
| Census Block Group | 4 |
| Census Block | 4014 |
| Census Tract | 311802 |
Source: St. Charles County records · APN T010300210
Assessment roll updated August 7, 2026 · Last verified August 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 File |
|---|---|
| Mailing Address | 6 EMERSON CT, O FALLON, MO 63366-7444 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Mar 15, 2021 | Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC |
| Apr 27, 2026 | Warranty Deed, Transfer · FHA Mortgage GUILD MORTGAGE COMPANY |
| Jan 14, 2026 | Affidavit of Death of Joint Tenant, Transfer |
| Mar 18, 2020 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Mar 08, 2021 | Beneficiary Deed, Transfer |
| Mar 02, 2018 | Grant Deed, Transfer · VA Mortgage BANK OF NAT'L TR & SVGS |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 27, 2026 · Amount on Record |
| Deed Sale | Apr 27, 2026 · Amount on Record |
| Prior Sale | Mar 02, 2018 · Amount on Record |
| Deed Document Number | 202619164 |
| Prior Transfer Date | Sep 23, 2011 |
| Prior Transfer Doc | 0000592670 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 6 EMERSON CT, O FALLON, MO 63366-7444 |
| Transaction Type | Mortgage |
| Record Updated | May 22, 2026 |
| Title Company | COMMONWEALTH USA SETTLEMENTS L, COMMONWEALTH USA SETMNTS LLC |
| Name | Verified Name |
|---|---|
| Address | 6 EMERSON CT, O FALLON, MO 63366-7444 |
| Document Number | 0000022531 |
|---|---|
| Date | Mar 15, 2021 |
| Instrument | 2021R-022531 |
| Name | NEW DAY FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Address | FULTON, MD 20759 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Apr 27, 2026 |
| Property Address | 6 EMERSON CT, O FALLON, MO 63366-7444 |
| Document Number | 0000019164 |
| Instrument Date | Apr 23, 2026 |
| Instrument | 202619164 |
| Transaction Type | Transfer |
| Record Updated | Aug 06, 2026 |
| Title Company | LEADERS TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 6 EMERSON CT, O FALLON, MO 63366-7444 |
| Document Number | 0000019165, |
|---|---|
| Date | Apr 27, 2026 |
| Instrument | 202619165 |
| Name | GUILD MORTGAGE COMPANY |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 01, 2056 |
| Rate | 6.11% |
|---|---|
| Max Rate | -1% |
| Document Type | Affidavit of Death of Joint Tenant |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jan 14, 2026 |
| Property Address | 6 EMERSON CT, O FALLON, MO 63366-7444 |
| Document Number | 0000001962 |
| Map Reference | MB 37 PG 58-60 |
| Instrument Date | Jan 09, 2026 |
| Instrument | 2026R-001962 |
| Transaction Type | Transfer |
| Record Updated | Jan 29, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 6 EMERSON CT, O FALLON, MO 63366-7444 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 6 EMERSON CT, O FALLON, MO 63366-7444 |
| Transaction Type | Mortgage |
| Record Updated | Aug 16, 2022 |
| Name | Verified Name |
|---|---|
| Address | AMY CHRISTINE SEVERI |
| Document Number | 0000164460 |
|---|---|
| Date | Mar 18, 2020 |
| Book Page | 7250/1293 |
| Instrument | 20200318000164460 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2050 |
| Document Type | Beneficiary Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Mar 08, 2021 |
| Property Address | 6 EMERSON CT, O FALLON, MO 63366-7444 |
| Document Number | 0000020184 |
| Map Reference | MB 37 PG 58-60 |
| Instrument Date | Mar 05, 2021 |
| Instrument | 2021R-020184 |
| Transaction Type | Transfer |
| Record Updated | Jun 07, 2023 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 6 EMERSON CT, O FALLON, MO 63366-7444 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Mar 02, 2018 |
| Property Address | 6 EMERSON CT, O FALLON, MO 63366-7444 |
| Document Number | 0068860425 |
| Book / Page | 006886 / 000425 |
| Instrument Date | Feb 27, 2018 |
| Instrument | 112620 |
| Transaction Type | Transfer |
| Record Updated | Apr 02, 2018 |
| Title Company | OTHER |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 6 EMERSON CT O FALLON MO 633667444, O FALLON, MO 63366-7444 |
| Document Number | 68860427 |
|---|---|
| Date | Mar 02, 2018 |
| Book Page | 006886/000427 |
| Instrument | 112630 |
| Name | BANK OF NAT'L TR & SVGS |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 01, 2048 |
Source: St. Charles County records · Assessment roll updated August 7, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | O'Fallon City |
| Unified School District | Fort Zumwalt R-II School District (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $80,694 (-) | $424,705 (-) Land $80,000 Building $344,705 | |
| 2025 | $80,694 (+8.04%) | $424,705 (+8.04%) Land $80,000 Building $344,705 | |
| 2024 | $4,930.00 | ||
| 2023 | $74,689 | ||
| 2022 | $393,099 Land $55,000 Building $338,099 |
Source: FEMA National Flood Hazard Layer, St. Charles County (29183C), updated August 25, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 291833118024, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Community Rating System | Class 9 (5% premium discount) |
| Nearby Flood Policies | 1 in force |
| Wildfire Risk | Low above 34% of the US · above 23% of Missouri |
|---|---|
| Wildfire Likelihood | About 1 in 3,125 per year |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 108 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Gateway Fiber Holdings | Fiber | 2,000 / 2,000 |
| Spectrum | Cable | 1,000 / 1,000 |
| Starlink | Satellite (low-earth orbit) | 280 / 30 |
May also be available at this address: Wisper ISP, Verizon, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.
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