806 Pepper Ln, O Fallon, MO 63366 Property Records

St. Charles County property record for 806 Pepper Ln, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,192 sqft · built 1986
Lot Size	0.21 acres (9,148 sqft)
Owner	2 Individual Names on Record
Last Sale	$297,920 (Jun 2026)
Tax Bill	$3,094 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Apr 2022 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`196990A060`

Property Details

APN / Parcel Number

Primary APN	`196990A060`
Alternative APN	`2-051B-5582-00-0032.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,192 sqft Living Area
Gross Area	3,066 sqft
1st Floor Area	1,253 sqft
Basement Area	1,253 sqft
Finished Basement	939 sqft
Unfinished Basement	314 sqft

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Ranch
Exterior Material	Combination
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,148 sqft (0.21 acres)
Garage Type	Attached
Garage Area	560 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	335 sqft
Patio Area	72 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	196990A060
Street Address	806 PEPPER LN
City	O FALLON
State	MO
Zip	63366-1872
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AD4
Legal Description	WILLOW RUN #2C LOT 32
Legal Subdivision	WILLOW RUN #2C
Legal Lot Number	32
Jurisdiction	ST CHARLES MO
Township / Civil Division	O'FALLON
Census Block Group	4
Census Block	4010
Census Tract	311602

Owner

Source: St. Charles County records, as of July 7, 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	806 PEPPER LN, O FALLON, MO 63366-1872
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Jun 25, 2026	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Apr 20, 2022	Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Aug 27, 2020	Deed of Trust, Mortgage · VA Mortgage VETERANS UNITED HM LNS
Jul 30, 2019	Warranty Deed, Subdivision Related Transfer · VA Mortgage VETERANS UNITED HM LNS
Apr 15, 2019	Trustee's Deed, Construction Loan · Line of Credit SILEX BKNG
Feb 28, 2019	Trustee's Deed, Foreclosure NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 25, 2026 · Amount on Record
Deed Sale	Jun 25, 2026 · Amount on Record
Prior Sale	Jul 30, 2019 · Amount on Record
Deed Document Number	202629657
Prior Transfer Date	May 26, 2017
Prior Transfer Doc	0067500447
Record Updated	Sep 20, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jun 25, 2026
Property Address	806 PEPPER LN, O FALLON, MO 63366-1872
Document Number	0000029657
Instrument Date	Jun 16, 2026
Instrument	202629657
Transaction Type	Transfer
Record Updated	Jul 7, 2026
Title Company	CONTINENTAL, CONTINENTAL TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Estimated Sale Price
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	806 PEPPER LN, O FALLON, MO 63366-1872

Mortgage

Document Number	0000029658,
Date	Jun 25, 2026
Instrument	202629658

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.36%
Initial Type	Fixed Rate
Max Rate	-1%

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	806 PEPPER LN, O FALLON, MO 63366-1872
Transaction Type	Mortgage
Record Updated	May 4, 2022
Title Company	FIDELITY NATIONAL TITLE-OR, FIDELITY NATIONAL TTL OF OR

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000022670
Date	Apr 20, 2022
Instrument	2022R-022670

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	806 PEPPER LN, O FALLON, MO 63366-1872
Document Number	0000063941
Instrument Date	Aug 27, 2020
Transaction Type	Mortgage
Record Updated	Oct 12, 2020
Title Company	FIDELITY NATIONAL TITLE-OR, FIDELITY NAT'L TITLE-OR

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	806 PEPPER LN O FALLON MO 633661872, O FALLON, MO 63366-1872

Mortgage

Document Number	0000063941
Date	Sep 2, 2020
Instrument	63941

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2050

July 2019: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jul 30, 2019
Property Address	806 PEPPER LN, O FALLON, MO 63366-1872
Document Number	0071140160
Book / Page	007114 / 000160
Instrument Date	Jul 29, 2019
Instrument	393110
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 23, 2019
Title Company	OTHER

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
Address	806 PEPPER LN O FALLON MO 633661872, O FALLON, MO 63366-1872

Mortgage

Document Number	71140162
Date	Jul 30, 2019
Book Page	007114/000162
Instrument	393120

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 29, 2049

April 2019: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	ST CHARLES MO
Recording Date	Apr 15, 2019
Property Address	806 PEPPER LN, O FALLON, MO 63366-1872
Document Number	0070582080
Book / Page	007058 / 002080
Instrument Date	Mar 19, 2019
Instrument	167330
Transaction Type	Construction Loan
Record Updated	Apr 30, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	603 JACOBS STATION RD ST CHARLES MO 633047401, ST CHARLES, MO 63304-7401

Mortgage

Document Number	70582080
Date	Apr 15, 2019
Book Page	007058/002080
Instrument	167330

Lender

Name	SILEX BKNG
Type	Funding / Finance Company
Address	SILEX, MO 63377

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Apr 14, 2020

Interest

Rate Type	Adjustable Rate

February 2019: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	ST CHARLES MO
Recording Date	Feb 28, 2019
Property Address	806 PEPPER LN, O FALLON, MO 63366-1872
Document Number	0070410381
Book / Page	007041 / 000381
Instrument Date	Feb 5, 2019
Instrument	89930
Transaction Type	Foreclosure
Record Updated	Mar 20, 2019
Title Company	NOT AVAILABLE

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	603 JACOBS STATION RD ST CHARLES MO 633047401, ST CHARLES, MO 63304-7401

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	$3,094.00 (+5.63%)	$48,013 (+8.84%)	$252,699 (+8.84%) Land $50,000 Building $202,699
2024	$2,929.00
2023		$44,113
2022			$232,172 Land $40,000 Building $192,172

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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