604 Midland Dr, O Fallon, MO 63366 Property Records

St. Charles County property record for 604 Midland Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,728 sqft · built 2002
Lot Size	0.13 acres (5,663 sqft)
Owner	2 Individual Names on Record
Last Sale	$167,000 (Jan 2018)
Tax Bill	$3,993 (2025)
Deeds & Mortgages	Jan 2019 Mortgage Jan 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`T031800039`

Property Details

APN / Parcel Number

Primary APN	`T031800039`
Alternative APN	`4-0053-8938-00-0151.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,728 sqft Living Area
Gross Area	3,012 sqft
1st Floor Area	864 sqft
Basement Area	864 sqft

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Lot Area	5,663 sqft (0.13 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	75 sqft
Deck Area	Deck Area
Patio Area	292 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T031800039
Street Address	604 MIDLAND DR
City	O FALLON
State	MO
Zip	63366-7567
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	EASTBURY VLG AT THORNBURY LOT 151
Legal Subdivision	EASTBURY VLG AT THORNBURY
Legal Lot Number	151
Jurisdiction	ST CHARLES MO
Township / Civil Division	LAKE ST. LOUIS
Census Block Group	2
Census Block	2013
Census Tract	311907

Owner

Source: St. Charles County records, as of August 7, 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	604 MIDLAND DR, O FALLON, MO 63366-7567
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 29, 2019	Deed of Trust, Mortgage · FHA Mortgage HOME LOAN EXPERT LLC
Jan 11, 2018	Warranty Deed, Transfer · FHA Mortgage HOME LOAN EXPERT LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 11, 2018 · Amount on Record
Deed Sale	Jan 11, 2018 · Amount on Record
Prior Sale	Aug 13, 2009 · Amount on Record
Deed Document Number	201821150
Deed Book / Page	6866 / 194
Record Updated	Oct 29, 2026

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	604 MIDLAND DR, O FALLON, MO 63366-7567
Document Number	0070321800
Instrument Date	Jan 29, 2019
Transaction Type	Mortgage
Record Updated	Feb 21, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	604 MIDLAND DR O FALLON MO 633667567, O FALLON, MO 63366-7567

Mortgage

Document Number	0070321800
Date	Feb 5, 2019
Book Page	007032/001800
Instrument	53940

Lender

Name	HOME LOAN EXPERT LLC
Address	SAINT LOUIS, MO 63144

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 4, 2049

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jan 11, 2018
Property Address	604 MIDLAND DR, O FALLON, MO 63366-7567
Document Number	0068660194
Book / Page	006866 / 000194
Instrument Date	Dec 20, 2017
Instrument	21150
Transaction Type	Transfer
Record Updated	Feb 22, 2018
Title Company	TITLE RESOURCE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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
Relationship	Husband and Wife
Address	604 MIDLAND DR O FALLON MO 633667567, O FALLON, MO 63366-7567

Mortgage

Document Number	68660197
Date	Jan 11, 2018
Book Page	006866/000197
Instrument	21160

Lender

Name	HOME LOAN EXPERT LLC
Address	SAINT LOUIS, MO 63144

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 10, 2048

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	Wentzville R-IV School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$58,400 (-)	$307,371 (-) Building $307,371
2025	$3,993.00	$58,400 (+8.49%)	$307,371 (+8.49%)
2023		$53,832
2022			$283,325 Land $50,000 Building $233,325

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 9 (5% premium discount)
Nearby Flood Policies	1 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 99.1% of the US · lower than 98.2% of Missouri
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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	ST CHARLES COUNTY PWSD 2 serves 100,587 people · EPA ID MO6024530
Water Source	Purchased surface water from ST LOUIS CITY PWS
Last State Inspection	Aug 2023
Lead	2 ppb (2026) 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 489 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
Wisper ISP Fixed Wireless	400 / 30
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: i3 Broadband.

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