703 Clover Ln, O Fallon, MO 63366 Property Records

St. Charles County property record for 703 Clover Ln, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,146 sqft · built 1968
Lot Size	0.205 acres (8,968 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,459 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Oct 2020 Second Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`231180A000`

Property Details

APN / Parcel Number

Primary APN	`231180A000`
Alternative APN	`2-051C-4520-00-0039.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,146 sqft Living Area
1st Floor Area	1,146 sqft
Basement Area	1,146 sqft

Exterior

Year Built	Built 1968
Architectural Style	Ranch
Exterior Material	Brick/Stone
Lot Area	8,968 sqft
Lot Dimensions	118 ft deep x 76 ft wide
Garage Type	Attached
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	394 sqft
Patio Area	220 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Sewer	Connected

Location & Zoning

Account Number	231180A000
Old Parcel Number	231180A000
Street Address	703 CLOVER LN
City	O FALLON
State	MO
Zip	63366-1819
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AE9
Legal Description	FOREST PK ADDN #3 LOT 39
Legal Range	03E
Legal Township	47N
Legal Subdivision	FOREST PK ADDN #3
Legal Lot Number	39
Jurisdiction	ST CHARLES MO
Township / Civil Division	O'FALLON
Census Block Group	4
Census Block	4011
Census Tract	311602

Owner

Source: St. Charles County assessment roll, as of July 1, 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 File
Mailing Address	703 CLOVER LN, O FALLON, MO 63366-1819
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage ELECTRO SAVINGS CU
Oct 9, 2020	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ELECTRO SAVINGS CU
Jun 22, 2017	Deed of Trust, Mortgage · Conventional Mortgage ELECTRO SAVINGS CU
Aug 21, 2017	Quit Claim Deed, Mortgage ELECTRO SVGS CU

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 21, 2017
Deed Sale	Aug 21, 2017
Prior Sale	Dec 22, 2010
Deed Document Number	0067941844
Deed Book / Page	5595 / 510
Prior Transfer Date	Jun 6, 2011
Prior Transfer Doc	20110606000335380
Record Updated	Jun 8, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	703 CLOVER LN, O FALLON, MO 63366-1819
Transaction Type	Mortgage
Record Updated	Jun 8, 2026
Title Company	INVESTORS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	703 CLOVER LN, O FALLON, MO 63366-1819
Investor	Possibly a Property Investor

Mortgage

Document Number	0000053978
Date	Jun 25, 2021
Instrument	2021R-053978

Lender

Name	ELECTRO SAVINGS CU
Type	Credit Union
Address	SAINT LOUIS, MO 63146

Agreement

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

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	703 CLOVER LN, O FALLON, MO 63366-1819
Transaction Type	Mortgage
Record Updated	Aug 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	703 CLOVER LN, O FALLON, MO 63366-1819

Mortgage

Document Number	0000076222
Date	Oct 9, 2020
Instrument	2020R-076222

Lender

Name	ELECTRO SAVINGS CU
Type	Credit Union
Address	SAINT LOUIS, MO 63146

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	117 Months
Due	Jul 30, 2030

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	703 CLOVER LN, O FALLON, MO 63366-1819
Transaction Type	Mortgage
Record Updated	Aug 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000382480
Date	Jun 22, 2017
Book Page	6763/1202
Instrument	20170622000382480

Lender

Name	ELECTRO SAVINGS CU
Type	Credit Union
Address	SAINT LOUIS, MO 63146

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jul 1, 2032

August 2017: Quit Claim Deed, Mortgage

Document Type	Quit Claim Deed
Jurisdiction	ST CHARLES MO
Recording Date	Aug 21, 2017
Property Address	703 CLOVER LN, O FALLON, MO 63366-1819
Document Number	0067941844
Book / Page	006794 / 001844
Instrument Date	Aug 10, 2017
Instrument	525430
Transaction Type	Mortgage
Record Updated	Aug 29, 2017
Title Company	GATEWAY TITLE COMPANY, GATEWAY TITLE CO.

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	703 CLOVER LN O FALLON MO 633661819, O FALLON, MO 63366-1819

Mortgage

Document Number	67941726
Date	Aug 21, 2017
Book Page	006794/001726
Instrument	525080

Lender

Name	ELECTRO SVGS CU
Type	Credit Union
Address	SAINT LOUIS, MO 63146

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Aug 20, 2027

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of July 1, 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	$2,459.00	$38,032 (+3.08%)	$200,170 (+3.08%) Land $40,000 Building $160,170
2023		$36,896
2022			$194,191 Land $40,000 Building $154,191

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective August 25, 2024

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 98% of the US · lower than 96% of Missouri
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 280 locations within half a mile, as of December 31, 2025

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

May also be available: Wisper ISP.

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