7286 Gadwall Way, O Fallon, MO 63368 Property Records

St. Charles County property record for 7286 Gadwall Way, O Fallon, MO 63368

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,022 sqft · built 1997
Lot Size	0.27 acres (11,761 sqft)
Owner	2 Individual Names on File
Last Sale	$319,000 (May 2019)
Tax Bill	$5,224 (2025)
Deeds & Mortgages	Sep 2020 Mortgage May 2019 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`A972000537`

Property Details

APN / Parcel Number

Primary APN	`A972000537`
Alternative APN	`2-0130-7519-00-0080.0000000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	3,022 sqft Living Area
Gross Area	3,917 sqft
1st Floor Area	2,442 sqft
Basement Area	1,095 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	11,761 sqft (0.27 acres)
Garage Type	Attached
Garage Area	380 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	144 sqft
Patio Area	80 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	A972000537
Street Address	7286 GADWALL WAY
City	O FALLON
State	MO
Zip	63368-8047
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AE9
Legal Description	VLGS AT DARDENNE OAKLAND VLG LOT 80
Legal Subdivision	VLGS AT DARDENNE OAKLAND VLG
Legal Lot Number	80
Jurisdiction	ST CHARLES MO
Township / Civil Division	BOONE
Census Block Group	2
Census Block	2003
Census Tract	311152

Owner

Source: St. Charles County records, as of November 25, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	7286 GADWALL WAY, O FALLON, MO 63368-8047
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 11, 2020	Deed of Trust, Mortgage CITIZENS NAT'L BK/GREATER ST L
May 24, 2019	Warranty Deed, Transfer · Conventional Mortgage CITIZENS NATL BANK OF GREATER ST LO
Oct 24, 2017	Warranty Deed, Transfer · VA Mortgage USAA
Jan 30, 2017	Intrafamily Transfer, Transfer · Line of Credit WEST COMMUNITY CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 24, 2019 · Amount on File
Deed Sale	May 24, 2019 · Amount on File
Prior Sale	Oct 24, 2017 · Amount on File
Deed Document Number	2019249570
Deed Book / Page	7078 / 2334
Prior Transfer Date	Jan 5, 2017
Prior Transfer Doc	0066922047
Record Updated	Jun 8, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	7286 GADWALL WAY, O FALLON, MO 63368-8047
Document Number	0000069020
Instrument Date	Sep 11, 2020
Transaction Type	Mortgage
Record Updated	Oct 29, 2020
Title Company	TOUCHSTONE TITLE AND ABSTRACT, TOUCHSTONE TITLE & ABSTR

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	7286 GADWALL WAY O FALLON MO 633688047, O FALLON, MO 63368-8047

Mortgage

Document Number	0000069020
Date	Sep 17, 2020
Instrument	69020

Lender

Name	CITIZENS NAT'L BK/GREATER ST L
Type	Bank
Address	SAINT LOUIS, MO 63143

Agreement

Amount	Amount on Record
Term	360 Months
Due	Sep 16, 2050

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	May 24, 2019
Property Address	7286 GADWALL WAY, O FALLON, MO 63368-8047
Document Number	0070782334
Book / Page	7078 / 2334
Map Reference	MB 33 PG 192-194
Instrument Date	May 21, 2019
Instrument	20190524000249570
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	US TITLE CORP & AGCY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7286 GADWALL WAY, 7286, O FALLON, MO 63368-8047

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	7286 GADWALL WAY, O FALLON, MO 63368-8047

Mortgage

Document Number	20190524000249580
Date	May 24, 2019
Instrument	20190524000249580

Lender

Name	CITIZENS NATL BANK OF GREATER ST LO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2049

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Oct 24, 2017
Property Address	7286 GADWALL WAY, O FALLON, MO 63368-8047
Document Number	0068272070
Book / Page	006827 / 002070
Instrument Date	Oct 19, 2017
Instrument	667020
Transaction Type	Transfer
Record Updated	Nov 29, 2017
Title Company	US TITLE

Transaction

Amount	Amount 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	Tenants by the Entirety
Address	7286 GADWALL WAY O FALLON MO 633688047, O FALLON, MO 63368-8047

Mortgage

Document Number	68272072
Date	Oct 24, 2017
Book Page	006827/002072
Instrument	667030

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 23, 2047

January 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Jan 30, 2017
Property Address	7286 GADWALL WAY, O FALLON, MO 63368-8047
Document Number	0066922047
Book / Page	6692 / 2047
Map Reference	MB 33 PG 192-194
Instrument Date	Jan 5, 2017
Instrument	20170130000064150
Transaction Type	Transfer
Record Updated	Aug 9, 2021

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7286 GADWALL WAY, O FALLON, MO 63368-8047

Mortgage

Document Number	20170130000064170
Date	Jan 30, 2017
Instrument	20170130000064170

Lender

Name	WEST COMMUNITY CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Jan 1, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of August 13, 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	$5,224.00 (+1.73%)	$81,522 (+4.74%)	$429,065 (+4.74%) Land $75,000 Building $354,065
2024	$5,135.00
2023		$77,831
2022			$409,635 Land $50,000 Building $359,635

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
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	2 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 80% of the US · lower than 84% of Missouri
Wildfire Likelihood	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	ST CHARLES COUNTY PWSD 2 serves 100,587 people · EPA ID MO6024530
Water Source	Purchased surface water from ST LOUIS CITY PWS
Last State Inspection	Aug 2023
Lead	2 ppb (2026) 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 394 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
i3 Broadband Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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