668 Emge Rd, O Fallon, MO 63366 Property Records

St. Charles County property record for 668 Emge Rd, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,928 sqft · built 1994
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on File
Last Sale	$285,000 (Jan 2021)
Tax Bill	$3,839 (2025)
Deeds & Mortgages	Sep 2019 Mortgage Jan 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`A942000812`

Property Details

APN / Parcel Number

Primary APN	`A942000812`
Alternative APN	`2-050D-7027-00-0007.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,928 sqft Living Area
Gross Area	3,388 sqft
1st Floor Area	1,036 sqft
Basement Area	1,020 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Bi-Level
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,019 sqft (0.23 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Deck Area	Deck Area
Patio Area	224 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A942000812
Street Address	668 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 7
Legal Subdivision	CIVIC PK EST #1
Legal Lot Number	7
Jurisdiction	ST CHARLES MO
Township / Civil Division	WENTZVILLE
Census Block Group	3
Census Block	3021
Census Tract	311802

Owner

668 Emge Rd is owned and occupied by two individuals who bought it in January 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	668 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
Sep 20, 2019	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Jan 6, 2021	Warranty Deed, Transfer STIFEL BK&TR
May 12, 2020	Deed of Trust, Mortgage ENDEAVOR CAP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 6, 2021 · Amount on File
Deed Sale	Jan 6, 2021 · Amount on File
Prior Sale	Jan 22, 1998 · Amount on File
Deed Document Number	20211391
Record Updated	Oct 29, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	668 EMGE RD, O FALLON, MO 63366-2115
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0071461398
Date	Sep 20, 2019
Book Page	7146/1398
Instrument	20190920000518120

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	289 Months
Due	Oct 1, 2043

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jan 6, 2021
Property Address	668 EMGE RD, O FALLON, MO 63366-2115
Document Number	0000001391
Instrument Date	Dec 29, 2020
Instrument	1391
Transaction Type	Transfer
Record Updated	Mar 23, 2021
Title Company	SELECT TITLE GROUP

Transaction

Amount	Amount on Record
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	Married Couple
Address	668 EMGE RD O FALLON MO 633662115, O FALLON, MO 63366-2115

Mortgage

Document Number	1392
Date	Jan 6, 2021
Instrument	1392

Lender

Name	STIFEL BK&TR
Type	Bank
Address	SAINT LOUIS, MO 63141

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jan 5, 2051

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	668 EMGE RD, O FALLON, MO 63366-2115
Document Number	0072971257
Instrument Date	May 12, 2020
Transaction Type	Mortgage
Record Updated	Jul 23, 2020
Title Company	CHESTERFIELD TITLE AGENCY LLC, CHESTERFIELD TITLE AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	668 EMGE RD O FALLON MO 633662115, O FALLON, MO 63366-2115

Mortgage

Document Number	0072971257
Date	May 18, 2020
Book Page	007297/001257
Instrument	321110

Lender

Name	ENDEAVOR CAP
Type	Funding / Finance Company
Address	CHESTERFIELD, MO 63017

Agreement

Amount	Amount on Record
Term	240 Months
Due	May 17, 2040

Tax Assessment & Valuation

The 2025 property tax bill for 668 Emge Rd was $3,839.

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		$59,729 (-)	$314,361 (-) Land $65,000 Building $249,361
2025	$3,839.00	$59,729	$314,361 Land $65,000 Building $249,361
2023		$54,981
2022			$289,375 Land $50,000 Building $239,375

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 668 Emge Rd in Zone X, an area of minimal flood risk, within 500 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 500 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 668 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.

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