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6450 Clover Farm Dr, O Fallon, MO 63368 Property Records

St. Charles County property record for 6450 Clover Farm Dr, O Fallon, MO 63368

Property Summary

Property TypeSingle Family Home
Details3 bd · 3 ba · 1,156 sqft · built 1989
Lot Size0.18 acres (7,841 sqft)
OwnerIndividual Name on File
Last Sale$262,422 (Aug 2021)
Tax Bill$3,558 (2025)
Deeds & MortgagesAug 2021 Mortgage
Oct 2018 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APNA870002974

Property Details

APN / Parcel Number

Primary APNA870002974
Alternative APN
  • 2-0069-6123-00-0102.0000000

Interior

Bedrooms3 Beds
Full Baths3 Baths
Total Rooms5 Rooms
Stories1 Story
Building Area1,156 sqft Living Area
1st Floor Area1,156 sqft
Basement Area1,140 sqft
Finished Basement972 sqft

Exterior

Year BuiltBuilt 1989
Architectural StyleRanch
Exterior MaterialBrick/Stone
Lot Area7,841 sqft (0.18 acres)
Garage TypeAttached
Parking Spaces2 Parking Spaces
PorchPorch
Porch Area136 sqft
Patio Area144 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air
SewerConnected

Location & Zoning

Account NumberA870002974
Old Parcel NumberA870002974
Street Address6450 CLOVER FARM DR
CityO FALLON
StateMO
Zip63368-7830
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionMORGAN OAKS #2 LOT 102
Legal Range03E
Legal Township46N
Legal SubdivisionMORGAN OAKS #2
Legal Lot Number102
JurisdictionST CHARLES MO
Township / Civil DivisionDARDENNE
Census Block Group3
Census Block3008
Census Tract311739

Owner

6450 Clover Farm Dr is owned and occupied by an individual who bought it in August 2021.

Source: St. Charles County records, as of March 16, 2026

Owner of RecordIndividual Name on File
Mailing Address6450 CLOVER FARM DR, O FALLON, MO 63368-7830
OccupancyOwner Occupied
Owner TypeIndividual

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

DateDocument
Aug 27, 2021Warranty Deed, Transfer · Conventional Mortgage
STEARNS LENDING LLC
Oct 15, 2018Warranty Deed, Transfer · FHA Mortgage
STIFEL BK&TR

Assessor's Deed Record

Deed NamesName on Deed
Last SaleAug 27, 2021 · Amount on File
Deed SaleAug 27, 2021 · Amount on File
Prior SaleOct 15, 2018 · Amount on File
Deed Document Number0202172059
Deed Book / Page2021 / 72059
Record UpdatedJun 8, 2026

August 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionST CHARLES MO
Recording DateAug 27, 2021
Property Address6450 CLOVER FARM DR, O FALLON, MO 63368-7830
Document Number0000072059
Map ReferenceMB 26 PG 40
Instrument DateAug 24, 2021
Instrument2021R-072059
Transaction TypeTransfer
Record UpdatedOct 4, 2022
Title CompanyCONTINENTAL, CONTINENTAL TITLE COMPANY

Transaction

Tax$0.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address127 RIVERS EDGE DR, 127, MOSCOW MILLS, MO 63362-1193

Transferred To (Grantee/Buyer)

NameVerified Name
Address6450 CLOVER FARM DR, O FALLON, MO 63368-7830

Mortgage

Document Number0000072060
DateAug 27, 2021
Instrument2021R-072060
Lender
NameSTEARNS LENDING LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueSep 1, 2051

October 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionST CHARLES MO
Recording DateOct 15, 2018
Property Address6450 CLOVER FARM DR, O FALLON, MO 63368-7830
Document Number0069892290
Book / Page006989 / 002290
Instrument DateOct 10, 2018
Instrument586490
Transaction TypeTransfer
Record UpdatedNov 6, 2018
Title CompanyOTHER

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address6450 CLOVER FARM DR O FALLON MO 633687830, O FALLON, MO 63368-7830

Mortgage

Document Number69892294
DateOct 15, 2018
Book Page006989/002294
Instrument586510
Lender
NameSTIFEL BK&TR
TypeBank
AddressST LOUIS, MO 63141
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term360 Months
DueOct 14, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 6450 Clover Farm Dr was $3,558.

Source: St. Charles County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateMissouri
CountySt. Charles County
MunicipalityO'Fallon City
Unified School DistrictFort Zumwalt R-II School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$3,558.00$54,416$286,401
2023$49,001
2022$257,899 Land $45,000 Building $212,899

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 6450 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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies1 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 6450 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 RiskNot 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 SystemST CHARLES COUNTY PWSD 2
serves 100,587 people · EPA ID MO6024530
Water SourcePurchased surface water from ST LOUIS CITY PWS
Last State InspectionAug 2023
Lead2 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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

ProviderMax 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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