801 Saint Bernard Dr, O Fallon, MO 63366 Property Records

St. Charles County property record for 801 Saint Bernard Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 864 sqft · built 1959
Lot Size	0.229 acres (9,960 sqft)
Owner	Individual Name on File
Last Sale	$233,000 (Nov 2023)
Tax Bill	$2,178 (2025)
Deeds & Mortgages	Nov 2023 Second Mortgage Nov 2023 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`225720A000`

Property Details

APN / Parcel Number

Primary APN	`225720A000`
Alternative APN	`2-051B-4080-00-0128.0000000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	864 sqft Living Area
Gross Area	1,348 sqft
1st Floor Area	864 sqft

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,960 sqft (0.229 acres)
Lot Dimensions	120 ft deep x 83 ft wide
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	112 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	225720A000
Street Address	801 SAINT BERNARD DR
City	O FALLON
State	MO
Zip	63366-1747
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AE9
Legal Description	FOREST PK ADDN #2 LOT 128
Legal Subdivision	FOREST PK ADDN #2
Legal Lot Number	128
Jurisdiction	ST CHARLES MO
Township / Civil Division	O'FALLON
Census Block Group	3
Census Block	3002
Census Tract	311602

Owner

801 Saint Bernard Dr is owned and occupied by an individual who bought it in November 2023.

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

Owner of Record	Individual Name on File
Mailing Address	801 SAINT BERNARD DR, O FALLON, MO 63366-1747
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 27, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage MISSOURI HOUSING DEVELOPMENT COMMISSION
Nov 27, 2023	Deed of Trust, Mortgage · FHA Mortgage GERSHMAN INVESTMENT CORP
May 11, 2023	Warranty Deed, Transfer VISION TITLE
May 11, 2023	Affidavit of Death of Joint Tenant, Transfer
Apr 7, 2022	Beneficiary Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 27, 2023 · Amount on File
Deed Sale	Nov 27, 2023 · Amount on File
Prior Sale	May 11, 2023 · Amount on File
Deed Document Number	202348268
Prior Transfer Date	Apr 6, 2022
Prior Transfer Doc	0000020122
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	801 SAINT BERNARD DR, O FALLON, MO 63366-1747
Transaction Type	Mortgage
Record Updated	Jan 17, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000048270
Date	Nov 27, 2023
Instrument	2023R-048270

Lender

Name	MISSOURI HOUSING DEVELOPMENT COMMISSION
Type	Government Agency
Address	KANSAS CITY, MO 64105

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	801 SAINT BERNARD DR, O FALLON, MO 63366-1747
Transaction Type	Mortgage
Record Updated	Jan 17, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3701 HIGHWAY Z, HILLSBORO, MO 63050-3714

Mortgage

Document Number	0000048269
Date	Nov 27, 2023
Instrument	2023R-048269

Lender

Name	GERSHMAN INVESTMENT CORP
Type	Mortgage Company
Address	CHESTERFIELD, MO 63017

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2053

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	May 11, 2023
Property Address	801 SAINT BERNARD DR, O FALLON, MO 63366-1747
Document Number	0000017960
Map Reference	MB 7 PG 27
Instrument Date	May 10, 2023
Instrument	2023R-017960
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	VISION TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 CROCKNARAW LN, WELDON SPRING, MO 63304-0513

May 2023: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	ST CHARLES MO
Recording Date	May 11, 2023
Property Address	801 SAINT BERNARD DR, O FALLON, MO 63366-1747
Document Number	0000017959
Map Reference	MB 7 PG 27
Instrument Date	May 10, 2023
Instrument	2023R-017959
Transaction Type	Transfer
Record Updated	Jan 17, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

April 2022: Beneficiary Deed, Transfer

Document Type	Beneficiary Deed
Jurisdiction	ST CHARLES MO
Recording Date	Apr 7, 2022
Property Address	801 SAINT BERNARD DR, O FALLON, MO 63366-1747
Document Number	0000020122
Map Reference	MB 7 PG 27
Instrument Date	Apr 6, 2022
Instrument	2022R-020122
Transaction Type	Transfer
Record Updated	Jan 17, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	801 SAINT BERNARD DR, O FALLON, MO 63366-1747

Tax Assessment & Valuation

The 2025 property tax bill for 801 Saint Bernard Dr was $2,178.

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		$33,611 (-)	$176,901 (-) Land $40,000 Building $136,901
2025	$2,178.00	$33,611	$176,901 Land $40,000 Building $136,901
2023		$34,537
2022			$181,774 Land $40,000 Building $141,774

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 801 Saint Bernard Dr in Zone X, an area of minimal flood risk.

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

The area around 801 Saint Bernard Dr has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 555 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Gateway Fiber Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
AT&T Fixed Wireless	100 / 20

May also be available: Verizon, Wisper ISP.

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