804 Clover Ln, O Fallon, MO 63366 Property Records

St. Charles County property record for 804 Clover Ln, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,314 sqft · built 1980
Lot Size	0.208 acres (9,075 sqft)
Owner	Individual Name on Record
Last Sale	$149,900 (Aug 2016)
Tax Bill	$3,124 (2025)
Deeds & Mortgages	Nov 2025 Mortgage May 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`237762A000`

Property Details

APN / Parcel Number

Primary APN	`237762A000`
Alternative APN	`2-051B-4970-00-0125.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,314 sqft Living Area
Gross Area	2,538 sqft
1st Floor Area	1,314 sqft
Basement Area	600 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,075 sqft (0.208 acres)
Lot Dimensions	121 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	24 sqft
Deck Area	Deck Area
Patio Area	192 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	237762A000
Street Address	804 CLOVER LN
City	O FALLON
State	MO
Zip	63366-1822
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AE9
Legal Description	WILLOW RUN LOT 125
Legal Subdivision	WILLOW RUN
Legal Lot Number	125
Jurisdiction	ST CHARLES MO
Township / Civil Division	O'FALLON
Census Block Group	4
Census Block	4000
Census Tract	311602

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	804 CLOVER LN, O FALLON, MO 63366-1822
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 26, 2025	Deed of Trust, Mortgage · FHA Mortgage AMERICAN PACIFIC MORTGAGE CORP
May 18, 2022	Deed of Trust, Mortgage · FHA Mortgage MIDLAND MORTGAGE
Jan 24, 2022	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 31, 2016 · Amount on Record
Deed Sale	Aug 31, 2016 · Amount on Record
Prior Sale	Apr 6, 2007 · Amount on Record
Deed Document Number	2016570320
Deed Book / Page	6603 / 2478
Last Transfer Date	Jan 21, 2022
Transfer Doc	0000004833
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	804 CLOVER LN, O FALLON, MO 63366-1822
Transaction Type	Mortgage
Record Updated	Jun 8, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	804 CLOVER LN, O FALLON, MO 63366-1822

Mortgage

Document Number	0000053548
Date	Nov 26, 2025
Instrument	2025R-053548

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company
Address	ROSEVILLE, CA 95661

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	804 CLOVER LN, O FALLON, MO 63366-1822
Transaction Type	Mortgage
Record Updated	Jun 8, 2026
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	804 CLOVER LN, O FALLON, MO 63366-1822

Mortgage

Document Number	0000028252
Date	May 18, 2022
Instrument	2022R-028252

Lender

Name	MIDLAND MORTGAGE
Type	Mortgage Company
Address	OKLAHOMA CITY, OK 73118

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	292 Months
Due	Sep 1, 2046

January 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Jan 24, 2022
Property Address	804 CLOVER LN, O FALLON, MO 63366-1822
Document Number	0000004833
Map Reference	MB 16 PG 2
Instrument Date	Apr 16, 2021
Instrument	2022R-004833
Transaction Type	Transfer
Record Updated	Feb 4, 2022

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	804 CLOVER LN, O FALLON, MO 63366-1822

Tax Assessment & Valuation

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		$48,490 (-)	$255,209 (-) Land $50,000 Building $205,209
2025	$3,124.00	$48,490 (+11.25%)	$255,209 (+11.25%) Land $50,000 Building $205,209
2023		$43,588
2022			$229,409 Land $40,000 Building $189,409

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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