805 Clover Ln, O Fallon, MO 63366 Property Records

St. Charles County property record for 805 Clover Ln, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,128 sqft · built 1979
Lot Size	0.208 acres (9,040 sqft)
Owner	Individual Name on Record
Last Sale	$145,000 (Aug 2022)
Tax Bill	$2,240 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Aug 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`237780A000`

Property Details

APN / Parcel Number

Primary APN	`237780A000`
Alternative APN	`2-051B-4970-00-0171.0000000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,128 sqft Living Area
Gross Area	1,887 sqft
1st Floor Area	768 sqft
Basement Area	720 sqft
Finished Basement	360 sqft
Unfinished Basement	360 sqft

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,040 sqft (0.208 acres)
Lot Dimensions	113 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	399 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	24 sqft
Deck Area	Deck Area
Patio Area	232 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	237780A000
Street Address	805 CLOVER LN
City	O FALLON
State	MO
Zip	63366-1821
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AE9
Legal Description	WILLOW RUN LOT 171
Legal Subdivision	WILLOW RUN
Legal Lot Number	171
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 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	805 CLOVER LN, O FALLON, MO 63366-1821
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 5, 2025	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
Aug 2, 2022	Intrafamily Transfer, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 2, 2022 · Amount on Record
Deed Sale	Aug 2, 2022 · Amount on Record
Deed Document Number	202243037
Prior Transfer Date	Jul 29, 2022
Prior Transfer Doc	0000043037
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	805 CLOVER LN, O FALLON, MO 63366-1821
Transaction Type	Mortgage
Record Updated	Dec 22, 2025
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	805 CLOVER LN, O FALLON, MO 63366-1821

Mortgage

Document Number	0000054572
Date	Dec 5, 2025
Instrument	2025R-054572

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

August 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Aug 2, 2022
Property Address	805 CLOVER LN, O FALLON, MO 63366-1821
Document Number	0000043037
Map Reference	MB 16 PG 2
Instrument Date	Jul 29, 2022
Instrument	2022R-043037
Transaction Type	Transfer
Record Updated	Aug 15, 2022
Title Company	INVESTORS TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	49 SUNNY VIEW DR, 49, COTTLEVILLE, MO 63376-3546

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	805 CLOVER LN, O FALLON, MO 63366-1821

Mortgage

Document Number	0000043038
Date	Aug 2, 2022
Instrument	2022R-043038

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2052

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		$34,580 (-)	$182,001 (-) Building $182,001
2025	$2,240.00	$34,580 (+4.12%)	$182,001 (+4.12%)
2023		$33,212
2022			$174,799 Land $40,000 Building $134,799

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.

Nearby Properties on Clover Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures