703 Saint Joseph Ave, O Fallon, MO 63366 Property Records

St. Charles County property record for 703 Saint Joseph Ave, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 900 sqft · built 1966
Lot Size	0.434 acres (18,905 sqft)
Owner	Individual Name on File
Last Sale	$109,900 (Nov 2011)
Tax Bill	$2,380 (2025)
Deeds & Mortgages	Nov 2022 Second Mortgage Feb 2019 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`229710A000`

Property Details

APN / Parcel Number

Primary APN	`229710A000`
Alternative APN	`2-051C-4195-00-0071.0000000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	900 sqft Living Area
Gross Area	1,800 sqft
1st Floor Area	900 sqft
Basement Area	900 sqft

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Architectural Style	Ranch
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	18,905 sqft (0.434 acres)
Lot Dimensions	199 ft deep x 95 ft wide
Garage Type	Carport
Garage Area	220 sqft
Carport	Carport
Carport Area	220 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	264 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	229710A000
Street Address	703 SAINT JOSEPH AVE
City	O FALLON
State	MO
Zip	63366-1849
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AE9
Legal Description	FOREST PK ADDN #3 LOT 71
Legal Subdivision	FOREST PK ADDN #3
Legal Lot Number	71
Jurisdiction	ST CHARLES MO
Township / Civil Division	O'FALLON
Census Block Group	4
Census Block	4006
Census Tract	311602

Owner

703 Saint Joseph Ave is owned and occupied by an individual who bought it in November 2011.

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

Owner of Record	Individual Name on File
Mailing Address	703 SAINT JOSEPH AVE, O FALLON, MO 63366-1849
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
Nov 18, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC
Feb 4, 2019	Deed of Trust, Mortgage FIRST FINANCIAL FCU
Jan 11, 2021	Deed of Trust, Mortgage QUICKEN LNS
Aug 9, 2018	Deed of Trust, Mortgage QUICKEN LNS
Jan 30, 2017	Loan Modification, Mortgage · FHA Mortgage US BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 17, 2011 · Amount on File
Deed Sale	Nov 17, 2011 · Amount on File
Prior Sale	Jul 28, 2011 · Amount on File
Deed Document Number	2011712050
Deed Book / Page	5676 / 1682
Record Updated	Oct 29, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	703 SAINT JOSEPH AVE, O FALLON, MO 63366-1849
Transaction Type	Mortgage
Record Updated	Dec 6, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	703 SAINT JOSEPH AVE, O FALLON, MO 63366-1849

Mortgage

Document Number	0000062189
Date	Nov 18, 2022
Instrument	2022R-062189

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	241 Months
Due	Dec 1, 2042

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	703 SAINT JOSEPH AVE, O FALLON, MO 63366-1849
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0070320541
Date	Feb 4, 2019
Book Page	7032/0541
Instrument	20190204000051610

Lender

Name	FIRST FINANCIAL FCU
Type	Credit Union
Address	WENTZVILLE, MO 63385

Agreement

Amount	Amount on Record
Term	96 Months
Due	Feb 18, 2027

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	703 SAINT JOSEPH AVE, O FALLON, MO 63366-1849
Document Number	0000004623
Instrument Date	Jan 11, 2021
Transaction Type	Mortgage
Record Updated	Mar 26, 2021
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	703 SAINT JOSEPH AVE O FALLON MO 633661849, O FALLON, MO 63366-1849

Mortgage

Document Number	0000004623
Date	Jan 15, 2021
Instrument	4623

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Amount	Amount on Record
Term	240 Months
Due	Jan 14, 2041

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	703 SAINT JOSEPH AVE, O FALLON, MO 63366-1849
Document Number	0069630561
Instrument Date	Aug 9, 2018
Transaction Type	Mortgage
Record Updated	Sep 5, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	703 SAINT JOSEPH AVE O FALLON MO 633661849, O FALLON, MO 63366-1849

Mortgage

Document Number	0069630561
Date	Aug 15, 2018
Book Page	006963/000561
Instrument	465630

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Amount	Amount on Record
Term	360 Months
Due	Aug 14, 2048

January 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST CHARLES MO
Property Address	703 SAINT JOSEPH AVE, O FALLON, MO 63366-1849
Document Number	0067080963
Book / Page	006708 / 000963
Instrument Date	Jan 30, 2017
Transaction Type	Mortgage
Record Updated	Mar 20, 2017
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	703 SAINT JOSEPH AVE O FALLON MO 633661849, O FALLON, MO 63366-1849

Mortgage

Document Number	0067080963
Date	Mar 7, 2017
Book Page	006708/000963
Instrument	136990

Lender

Name	US BK
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 6, 2047

Interest

Rate Type	Fixed Rate
Rate	3.62%

Tax Assessment & Valuation

The 2025 property tax bill for 703 Saint Joseph Ave was $2,380.

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		$36,779 (-)	$193,575 (-) Land $40,000 Building $153,575
2025	$2,380.00	$36,779	$193,575 Land $40,000 Building $153,575
2023		$34,539
2022			$181,787 Land $40,000 Building $141,787

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 703 Saint Joseph Ave in Zone X, an area of minimal flood risk.

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

Wildfire risk around 703 Saint Joseph Ave is low, with less than a 0.01% annual chance of 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

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 280 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Wisper ISP.

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