644 Emge Rd, O Fallon, MO 63366 Property Records

St. Charles County property record for 644 Emge Rd, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,577 sqft · built 1994
Lot Size	0.26 acres (11,326 sqft)
Owner	2 Individual Names on Record
Last Sale	$292,500 (Jun 2017)
Tax Bill	$4,204 (2025)
Deeds & Mortgages	Jun 2017 Sale & Mortgage Jan 2017 Transfer
Flood Zone	Zone X (minimal risk)
APN	`A942000806`

Property Details

APN / Parcel Number

Primary APN	`A942000806`
Alternative APN	`2-050D-7027-00-0001.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,577 sqft Living Area
Gross Area	3,472 sqft
1st Floor Area	1,502 sqft
Basement Area	1,490 sqft
Finished Basement	1,075 sqft
Unfinished Basement	415 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Ranch
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,326 sqft (0.26 acres)
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	42 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A942000806
Street Address	644 EMGE RD
City	O FALLON
State	MO
Zip	63366-2115
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CIVIC PK EST #1 LOT 1
Legal Subdivision	CIVIC PK EST #1
Legal Lot Number	1
Jurisdiction	ST CHARLES MO
Township / Civil Division	WENTZVILLE
Census Block Group	3
Census Block	3021
Census Tract	311802

Owner

Source: St. Charles County records, as of August 13, 2025

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	644 EMGE RD, O FALLON, MO 63366-2115
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 13, 2017	Warranty Deed, Transfer BANK OF AMERICA
Jan 30, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 13, 2017 · Amount on Record
Deed Sale	Jun 13, 2017 · Amount on Record
Prior Sale	May 14, 2010 · Amount on Record
Deed Document Number	2017360120
Deed Book / Page	6758 / 561
Last Transfer Date	Nov 27, 2017
Transfer Doc	0068440436
Record Updated	Jun 8, 2026

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jun 13, 2017
Property Address	644 EMGE RD, O FALLON, MO 63366-2115
Document Number	0067580561
Book / Page	006758 / 000561
Instrument Date	Jun 8, 2017
Instrument	360120
Transaction Type	Transfer
Record Updated	Aug 21, 2018
Title Company	US TITLE

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	Tenants by the Entirety
Address	644 EMGE RD O FALLON MO 633662115, O FALLON, MO 63366-2115

Mortgage

Document Number	67580563
Date	Jun 13, 2017
Book Page	006758/000563
Instrument	360130

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 12, 2047

January 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jan 30, 2017
Property Address	644 EMGE RD, O FALLON, MO 63366-2115
Document Number	0066920663
Book / Page	006692 / 000663
Instrument Date	Dec 15, 2016
Instrument	61710
Transaction Type	Transfer
Record Updated	Feb 2, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	644 EMGE RD O FALLON MO 633662115, O FALLON, MO 63366-2115

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of August 13, 2025

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
2025	$4,204.00 (+0.65%)	$65,481 (+3.63%)	$344,638 (+3.63%) Land $65,000 Building $279,638
2024	$4,177.00
2023		$63,186
2022			$332,556 Land $50,000 Building $282,556

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
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 97% of the US · lower than 95% of Missouri
Wildfire Likelihood	0.01% annual chance
Exposure	Direct 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 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 299 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Gateway Fiber Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Wisper ISP.

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