6430 Clover Farm Dr, O Fallon, MO 63368 Property Records

St. Charles County property record for 6430 Clover Farm Dr, O Fallon, MO 63368

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,157 sqft · built 1993
Lot Size	0.18 acres (7,841 sqft)
Owner	Individual Name on File
Last Sale	$218,000 (Jan 2019)
Tax Bill	$3,913 (2025)
Deeds & Mortgages	Jan 2019 Sale & Mortgage Mar 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`A932000445`

Property Details

APN / Parcel Number

Primary APN	`A932000445`
Alternative APN	`2-0069-6860-00-0107.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,157 sqft Living Area
Gross Area	3,104 sqft
1st Floor Area	1,368 sqft
Basement Area	1,316 sqft
Finished Basement	789 sqft
Unfinished Basement	527 sqft

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	Ranch
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,841 sqft (0.18 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	36 sqft
Patio Area	230 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A932000445
Street Address	6430 CLOVER FARM DR
City	O FALLON
State	MO
Zip	63368-7830
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WHEATFIELD #6 LOT 107
Legal Subdivision	WHEATFIELD #6
Legal Lot Number	107
Jurisdiction	ST CHARLES MO
Township / Civil Division	DARDENNE
Census Block Group	3
Census Block	3008
Census Tract	311739

Owner

6430 Clover Farm Dr is owned and occupied by an individual who bought it in January 2019.

Source: St. Charles County records, as of August 7, 2026

Owner of Record	Individual Name on File
Mailing Address	6430 CLOVER FARM DR, O FALLON, MO 63368-7830
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jan 4, 2019	Warranty Deed, Transfer · VA Mortgage GUILD MORTGAGE CO
Mar 15, 2017	Intrafamily Transfer, Transfer · Line of Credit VANTAGE CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 4, 2019 · Amount on File
Deed Sale	Jan 4, 2019 · Amount on File
Prior Sale	Mar 15, 2017 · Amount on File
Deed Document Number	20196730
Deed Book / Page	7022 / 1482
Prior Transfer Date	Feb 25, 2017
Prior Transfer Doc	0000154890
Record Updated	Oct 29, 2026

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jan 4, 2019
Property Address	6430 CLOVER FARM DR, O FALLON, MO 63368-7830
Document Number	0000006730
Book / Page	7022 / 1482
Map Reference	MB 31 PG 32
Instrument Date	Dec 31, 2018
Instrument	20190104000006730
Transaction Type	Transfer
Record Updated	Oct 4, 2022
Title Company	SYNERGY TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1511 MISTY RIVER DR, 1511, SAINT PAUL, MO 63366-1541

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6430 CLOVER FARM DR, O FALLON, MO 63368-7830

Mortgage

Document Number	0000006740
Date	Jan 4, 2019
Instrument	20190104000006740

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2049

March 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Mar 15, 2017
Property Address	6430 CLOVER FARM DR, O FALLON, MO 63368-7830
Document Number	0000154890
Book / Page	6712 / 0092
Map Reference	MB 31 PG 32
Instrument Date	Feb 25, 2017
Instrument	20170315000154890
Transaction Type	Transfer
Record Updated	Oct 4, 2022

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6430 CLOVER FARM DR, O FALLON, MO 63368-7830

Mortgage

Document Number	0000154900
Date	Mar 15, 2017
Instrument	20170315000154900

Lender

Name	VANTAGE CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	299 Months
Due	Feb 25, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 6430 Clover Farm Dr was $3,913.

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		$59,903 (-)	$315,281 (-) Building $315,281
2025	$3,913.00	$59,903	$315,281
2023		$52,429
2022			$275,942 Land $45,000 Building $230,942

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

FEMA maps place 6430 Clover Farm Dr in Zone X, an area of minimal flood risk.

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
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

The area around 6430 Clover Farm Dr has no burnable land within ember reach, so its wildfire risk is not rated.

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

Provider	Max Down / Up (Mbps)
i3 Broadband Fiber	8,000 / 8,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Brightspeed, Verizon.

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