St. Charles County property record for 811 E Terra Ln, O Fallon, MO 63366
| Property Type | Commercial |
|---|---|
| Details | 21,460 sqft · built 1997 |
| Lot Size | 2.51 acres (109,771 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $415,000 (Jun 1997) |
| Tax Bill | $29,459 (2025) |
| Deeds & Mortgages | Jan 2019 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 199265A000 |
| Primary APN | 199265A000 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|---|
| Building Area | 21,460 sqft Gross Area |
| 1st Floor Area | 21,460 sqft |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 109,771 sqft |
| Garage Area | 21,460 sqft |
| Porch | Porch |
| Porch Area | 50 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 199265A000 |
|---|---|
| Street Address | 811 E TERRA LN |
| City | O FALLON |
| State | MO |
| Zip | 63366-2747 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Local Zoning Code | AE9 |
| Legal Description | PT W 1/2 NE 1/4 |
| Legal Range | 3 |
| Legal Township | 47 |
| Legal Section | 02 |
| Legal Subdivision | NORTHWOOD ESTATE 02 |
| Legal Lot Number | 85 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | O'FALLON |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 311602 |
Source: St. Charles County records, as of August 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 | 8300 N LINDBERGH BLVD, FLORISSANT, MO 63031-7109 |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 16, 1997 · Amount on Record |
| Deed Sale | Jun 16, 1997 · Amount on Record |
| Deed Document Number | 199732548 |
| Deed Book / Page | 1949 / 430 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 811 E TERRA LN, O FALLON, MO 63366-2747 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0070251090 |
|---|---|
| Date | Jan 15, 2019 |
| Book Page | 7025/1090 |
| Instrument | 20190115000021140 |
| Name | MONTGOMERY BANK NA |
|---|---|
| Type | Bank |
| Address | SIKESTON, MO 63801 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | O'Fallon City |
| Unified School District | Fort Zumwalt R-II School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $427,749 (-) | $1,336,719 (-) Land $493,970 Building $842,749 | |
| 2025 | $29,459.00 | $427,749 (+5.13%) | $1,336,719 (+5.13%) Land $493,970 Building $842,749 |
| 2023 | $406,889 | ||
| 2022 | $1,271,529 Land $493,970 Building $777,559 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 3 in force |
| Nearby Flood Claims | 23 (1981–2022) |
| Claims Outside the SFHA | 2 of 23 |
| Most Recent Claim | Jul 2022 · Severe Storms And Flooding |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 98.2% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 144 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Gateway Fiber, i3 Broadband, Verizon, Wisper ISP.
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