801 Pepper Ln, O Fallon, MO 63366 Property Records

St. Charles County property record for 801 Pepper Ln, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,288 sqft · built 1984
Lot Size	0.24 acres (10,454 sqft)
Owner	2 Individual Names on Record
Last Sale	$158,000 (Feb 2018)
Tax Bill	$2,259 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Feb 2018 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`196990A052`

Property Details

APN / Parcel Number

Primary APN	`196990A052`
Alternative APN	`2-051B-5582-00-0024.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,288 sqft Living Area
Gross Area	1,908 sqft
1st Floor Area	768 sqft
Basement Area	720 sqft
Finished Basement	520 sqft
Unfinished Basement	200 sqft

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,454 sqft (0.24 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	24 sqft
Deck Area	Deck Area
Patio Area	320 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	196990A052
Street Address	801 PEPPER LN
City	O FALLON
State	MO
Zip	63366-1871
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AD4
Legal Description	WILLOW RUN #2C LOT 24
Legal Subdivision	WILLOW RUN #2C
Legal Lot Number	24
Jurisdiction	ST CHARLES MO
Township / Civil Division	O'FALLON
Census Block Group	4
Census Block	4008
Census Tract	311602

Owner

Source: St. Charles County records, as of February 5, 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	801 PEPPER LN, O FALLON, MO 63366-1871
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 23, 2021	Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Feb 28, 2018	Warranty Deed, Transfer · VA Mortgage USAA
Nov 10, 2017	Deed of Trust, Mortgage · Line of Credit LINDELL BK&TR
Jul 5, 2017	Grant Deed, Transfer LENDERLIVE SETTLEMENT
Apr 28, 2017	Trustee's Deed, Foreclosure

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 28, 2018 · Amount on Record
Deed Sale	Feb 28, 2018 · Amount on Record
Prior Sale	Jul 5, 2017
Deed Document Number	2018107360
Deed Book / Page	6884 / 2108
Prior Transfer Date	Sep 11, 2014
Prior Transfer Doc	0062391774
Record Updated	Jun 8, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	801 PEPPER LN, O FALLON, MO 63366-1871
Transaction Type	Mortgage
Record Updated	Sep 2, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	801 PEPPER LN, O FALLON, MO 63366-1871

Mortgage

Document Number	2021R070495
Date	Aug 23, 2021
Instrument	2021R-070495

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Feb 28, 2018
Property Address	801 PEPPER LN, O FALLON, MO 63366-1871
Document Number	0068842108
Book / Page	006884 / 002108
Instrument Date	Feb 27, 2018
Instrument	107360
Transaction Type	Transfer
Record Updated	Mar 22, 2018
Title Company	US TITLE

Transaction

Amount	Amount Recorded
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	801 PEPPER LN O FALLON MO 633661871, O FALLON, MO 63366-1871

Mortgage

Document Number	68842110
Date	Feb 28, 2018
Book Page	006884/002110
Instrument	107370

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 27, 2048

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	801 PEPPER LN, O FALLON, MO 63366-1871
Document Number	0068410034
Book / Page	006841 / 000034
Instrument Date	Nov 10, 2017
Transaction Type	Mortgage
Record Updated	Nov 27, 2017
Title Company	OTHER

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1409 LUCERNE PL WELDON SPRING MO 633047791, WELDON SPRING, MO 63304-7791
Investor	Possibly a Property Investor

Mortgage

Document Number	0068410034
Date	Nov 20, 2017
Book Page	006841/000034
Instrument	720860

Lender

Name	LINDELL BK&TR
Type	Bank
Address	SAINT LOUIS, MO 63139

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

July 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jul 5, 2017
Property Address	801 PEPPER LN, O FALLON, MO 63366-1871
Document Number	0067690718
Book / Page	006769 / 000718
Instrument Date	Jun 19, 2017
Instrument	411810
Transaction Type	Transfer
Record Updated	Aug 22, 2017
Title Company	LENDERLIVE SETTLEMENT

Transaction

Amount	Amount Recorded
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1409 LUCERNE PL WELDON SPRING MO 633047791, WELDON SPRING, MO 63304-7791
Investor	Possibly a Property Investor

April 2017: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	ST CHARLES MO
Recording Date	Apr 28, 2017
Property Address	801 PEPPER LN, O FALLON, MO 63366-1871
Document Number	0067342416
Book / Page	006734 / 002416
Instrument Date	Apr 27, 2017
Instrument	256420
Transaction Type	Foreclosure
Record Updated	May 3, 2017

Transaction

Amount	Amount Recorded
Tax	$0.00
Additional	Notice of Trustee Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	8950 CYPRESS WATERS BLVD COPPELL TX 750194620, COPPELL, TX 75019-4620
Investor	Possibly a Property Investor

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	$2,259.00 (+0.98%)	$34,888 (+4.03%)	$183,621 (+4.03%) Building $183,621
2024	$2,237.00
2023		$33,538
2022			$176,516 Land $40,000 Building $136,516

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

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 99.8% of the US · lower than 99.6% 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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