648 Emge Rd, O Fallon, MO 63366 Property Records

St. Charles County property record for 648 Emge Rd, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,954 sqft · built 2003
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on File
Last Sale	$320,000 (Nov 2021)
Tax Bill	$4,323 (2025)
Deeds & Mortgages	Dec 2025 Sale Nov 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`A942000807`

Property Details

APN / Parcel Number

Primary APN	`A942000807`
Alternative APN	`2-050D-7027-00-0002.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,954 sqft Living Area
Gross Area	3,898 sqft
1st Floor Area	1,754 sqft
Basement Area	1,744 sqft
Finished Basement	1,200 sqft
Unfinished Basement	544 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Ranch
Exterior Material	Brick/Stone
Lot Area	10,019 sqft (0.23 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	90 sqft
Deck Area	Deck Area
Patio Area	150 sqft

Location & Zoning

Account Number	A942000807
Street Address	648 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 2
Legal Subdivision	CIVIC PK EST #1
Legal Lot Number	2
Jurisdiction	ST CHARLES MO
Township / Civil Division	WENTZVILLE
Census Block Group	3
Census Block	3021
Census Tract	311802

Owner

648 Emge Rd is owned and occupied by two individuals who bought it in November 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	648 EMGE RD, O FALLON, MO 63366-2115
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
Dec 22, 2025	Beneficiary Deed, Transfer
Nov 24, 2021	Warranty Deed, Transfer · Conventional Mortgage GERSHMAN INVESTMENT CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 24, 2021 · Amount on File
Deed Sale	Nov 24, 2021 · Amount on File
Prior Sale	Oct 26, 2015 · Amount on File
Deed Document Number	202196171
Prior Transfer Date	Dec 20, 1999
Prior Transfer Doc	0000100438
Record Updated	Oct 29, 2026

December 2025: Beneficiary Deed, Transfer

Document Type	Beneficiary Deed
Jurisdiction	ST CHARLES MO
Recording Date	Dec 22, 2025
Property Address	648 EMGE RD, O FALLON, MO 63366-2115
Document Number	0000057426
Map Reference	MB 31 PG 274
Instrument Date	Dec 15, 2025
Instrument	2025R-057426
Transaction Type	Transfer
Record Updated	Jan 8, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	648 EMGE RD, O FALLON, MO 63366-2115

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	648 EMGE RD, O FALLON, MO 63366-2115

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Nov 24, 2021
Property Address	648 EMGE RD, O FALLON, MO 63366-2115
Document Number	0000096171
Map Reference	MB 31 PG 274
Instrument Date	Nov 20, 2021
Instrument	2021R-096171
Transaction Type	Transfer
Record Updated	Jan 8, 2026
Title Company	TITLE PARTNERS AGENCY LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	123 PRAIRIE CREEK CIR, PRINCETON, TX 75407-6501

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	648 EMGE RD, O FALLON, MO 63366-2115

Mortgage

Document Number	0000096172
Date	Nov 24, 2021
Instrument	2021R-096172

Lender

Name	GERSHMAN INVESTMENT CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 648 Emge Rd was $4,323, up 4.5% from the year before.

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		$67,344 (-)	$354,441 (-) Land $65,000 Building $289,441
2025	$4,323.00 (+4.47%)	$67,344	$354,441 Land $65,000 Building $289,441
2024	$4,138.00
2023		$62,593
2022			$329,439 Land $50,000 Building $279,439

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 648 Emge Rd in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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

Wildfire risk around 648 Emge Rd is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 96% of the US · lower than 94% of Missouri
Wildfire Likelihood	0.02% 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	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.

Nearby Properties on Emge Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures