700 Emge Rd, O Fallon, MO 63366 Property Records

St. Charles County property record for 700 Emge Rd, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 2,174 sqft · built 1990
Lot Size	0.57 acres (24,829 sqft)
Owner	2 Individual Names on Record
Last Sale	$373,000 (Oct 2022)
Tax Bill	$4,828 (2025)
Deeds & Mortgages	May 2021 Mortgage Oct 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`A912000174`

Property Details

APN / Parcel Number

Primary APN	`A912000174`
Alternative APN	`2-050D-6647-00-0017.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,174 sqft Living Area
Gross Area	4,951 sqft
1st Floor Area	2,174 sqft
Basement Area	2,156 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Ranch
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	24,829 sqft (0.57 acres)
Garage Type	Attached
Garage Area	621 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	60 sqft
Patio Area	180 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A912000174
Street Address	700 EMGE RD
City	O FALLON
State	MO
Zip	63366-2117
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CORONATION EST LOT 17
Legal Subdivision	CORONATION EST
Legal Lot Number	17
Jurisdiction	ST CHARLES MO
Township / Civil Division	WENTZVILLE
Census Block Group	3
Census Block	3008
Census Tract	311802

Owner

Source: St. Charles County records, as of September 10, 2026

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	700 EMGE RD, O FALLON, MO 63366-2117
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO
Oct 7, 2022	Warranty Deed, Transfer · Conventional Mortgage BANK OF AMERICA NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 7, 2022 · Amount on Record
Deed Sale	Oct 7, 2022 · Amount on Record
Prior Sale	Sep 16, 2003 · Amount on Record
Deed Document Number	202255357
Prior Transfer Date	Mar 12, 1998
Prior Transfer Doc	0000020618
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	700 EMGE RD, O FALLON, MO 63366-2117
Transaction Type	Mortgage
Record Updated	Jan 17, 2024
Title Company	TITLE PARTNERS AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	700 EMGE RD, O FALLON, MO 63366-2117

Mortgage

Document Number	0000044791
Date	May 24, 2021
Instrument	2021R-044791

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2036

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Oct 7, 2022
Property Address	700 EMGE RD, O FALLON, MO 63366-2117
Document Number	0000055357
Map Reference	MB 30 PG 82
Instrument Date	Oct 6, 2022
Instrument	2022R-055357
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	TITLE PARTNERS AGENCY LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	220 SALT LICK RD, SAINT PETERS, MO 63376-1146

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	700 EMGE RD, O FALLON, MO 63366-2117

Mortgage

Document Number	0000055358
Date	Oct 7, 2022
Instrument	2022R-055358

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.62%
Type Change Date	Nov 1, 2029
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	9.62%
Index	Other
Max Rate	9.62%

Tax Assessment & Valuation

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		$75,288 (-)	$396,255 (-) Land $65,000 Building $331,255
2025	$4,828.00	$75,288 (+8.45%)	$396,255 (+8.45%) Land $65,000 Building $331,255
2023		$69,421
2022			$365,376 Land $50,000 Building $315,376

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
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 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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