602 Saint Joseph Ave, O Fallon, MO 63366 Property Records

St. Charles County property record for 602 Saint Joseph Ave, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 900 sqft · built 1958
Lot Size	0.224 acres (9,744 sqft)
Owner	Individual Name on Record
Last Sale	$190,100 (Sep 2021)
Tax Bill	$2,407 (2025)
Deeds & Mortgages	Sep 2021 Second Mortgage Sep 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`214290A000`

Property Details

APN / Parcel Number

Primary APN	`214290A000`
Alternative APN	`2-051C-4271-00-0063.0000000`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	900 sqft Living Area
Gross Area	1,675 sqft
1st Floor Area	900 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,744 sqft (0.224 acres)
Lot Dimensions	116 ft deep x 84 ft wide
Garage Type	Attached
Garage Area	775 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	664 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	214290A000
Street Address	602 SAINT JOSEPH AVE
City	O FALLON
State	MO
Zip	63366-1804
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AE9
Legal Description	FOREST PK OF OFALLON LOT 63
Legal Subdivision	FOREST PK OF OFALLON
Legal Lot Number	63
Jurisdiction	ST CHARLES MO
Township / Civil Division	O'FALLON
Census Block Group	4
Census Block	4004
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	Individual Name on Record
Mailing Address	602 SAINT JOSEPH AVE, O FALLON, MO 63366-1804
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 2, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage MISSOURI HOUSING DEVELOPMENT COMMISSION
Sep 1, 2021	Warranty Deed, Transfer · FHA Mortgage GUARANTEED RATE AFFINITY LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 1, 2021 · Amount on Record
Deed Sale	Sep 1, 2021 · Amount on Record
Prior Sale	Jul 8, 2004 · Amount on Record
Deed Document Number	202173654
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	602 SAINT JOSEPH AVE, O FALLON, MO 63366-1804
Transaction Type	Mortgage
Record Updated	Sep 15, 2021
Title Company	TITLE PARTNERS AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021R073974
Date	Sep 2, 2021
Instrument	2021R-073974

Lender

Name	MISSOURI HOUSING DEVELOPMENT COMMISSION
Type	Government Agency
Address	KANSAS CITY, MO 64105

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Sep 1, 2021
Property Address	602 SAINT JOSEPH AVE, O FALLON, MO 63366-1804
Document Number	2021R073654
Map Reference	MB 6 PG 70-75
Instrument Date	Aug 26, 2021
Instrument	2021R-073654
Transaction Type	Transfer
Record Updated	Sep 15, 2021
Title Company	TITLE PARTNERS AGENCY LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5 DEMOCRACY CIR, 5, O FALLON, MO 63368-8547

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	602 SAINT JOSEPH AVE, O FALLON, MO 63366-1804

Mortgage

Document Number	2021R073655
Date	Sep 1, 2021
Instrument	2021R-073655

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2051

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		$37,216 (-)	$195,873 (-) Land $40,000 Building $155,873
2025	$2,407.00	$37,216 (+12.56%)	$195,873 (+12.56%) Land $40,000 Building $155,873
2023		$33,063
2022			$174,017 Land $40,000 Building $134,017

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

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

Provider	Max Down / Up (Mbps)
Gateway Fiber Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
AT&T Fixed Wireless	100 / 20

May also be available: Verizon, Wisper ISP.

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