862 Elaine Dr, O Fallon, MO 63366 Property Records

St. Charles County property record for 862 Elaine Dr, O Fallon, MO 63366

Property Summary

Property Type	Condominium
Details	2 bd · 3 ba · 2,083 sqft · built 2005
Lot Size	0.25 acres (10,890 sqft)
Owner	Individual Name on Record
Last Sale	$314,900 (Oct 2023)
Tax Bill	$3,570 (2024)
Deeds & Mortgages	Jan 2026 Mortgage Oct 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T040300187`

Property Details

APN / Parcel Number

Primary APN	`T040300187`
Alternative APN	`2-0050-9260-00-022A.0000000`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,083 sqft Living Area
Gross Area	3,141 sqft
1st Floor Area	1,401 sqft
Basement Area	1,360 sqft
Finished Basement	682 sqft
Unfinished Basement	678 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Spanish
Exterior Material	Brick/Stone
Lot Area	10,890 sqft (0.25 acres)
Garage Type	Attached
Garage Area	380 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	30 sqft
Deck Area	Deck Area
Patio Area	100 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T040300187
Street Address	862 ELAINE DR
City	O FALLON
State	MO
Zip	63366-2348
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	VLGS AT WALDEN POND #7 LOT 22A
Legal Subdivision	VLGS AT WALDEN POND #7
Legal Lot Number	22A
Jurisdiction	ST CHARLES MO
Township / Civil Division	WENTZVILLE
Census Block Group	3
Census Block	3000
Census Tract	311802

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	862 ELAINE DR, O FALLON, MO 63366-2348
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 14, 2026	Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO
Oct 3, 2023	Warranty Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO
Oct 3, 2023	Beneficiary Deed, Transfer SELECT TITLE GROUP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 3, 2023 · Amount on Record
Deed Sale	Oct 3, 2023 · Amount on Record
Prior Sale	Oct 3, 2023 · Amount on Record
Deed Document Number	202340624
Prior Transfer Date	Sep 27, 2023
Prior Transfer Doc	0000040624
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	862 ELAINE DR, O FALLON, MO 63366-2348
Transaction Type	Mortgage
Record Updated	Jan 29, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	862 ELAINE DR, COTTLEVILLE, MO 63366-2348

Mortgage

Document Number	0000001948
Date	Jan 14, 2026
Instrument	2026R-001948

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

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

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Oct 3, 2023
Property Address	862 ELAINE DR, O FALLON, MO 63366-2348
Document Number	0000040622
Map Reference	MB 39 PG 355
Instrument Date	Sep 27, 2023
Instrument	2023R-040622
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	SELECT TITLE GROUP

Transaction

Tax	$0.00
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	862 ELAINE DR, O FALLON, MO 63366-2348

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	862 ELAINE DR, O FALLON, MO 63366-2348

Mortgage

Document Number	0000040623
Date	Oct 3, 2023
Instrument	2023R-040623

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2053

October 2023: Beneficiary Deed, Transfer

Document Type	Beneficiary Deed
Jurisdiction	ST CHARLES MO
Recording Date	Oct 3, 2023
Property Address	862 ELAINE DR, O FALLON, MO 63366-2348
Document Number	0000040624
Map Reference	MB 39 PG 355
Instrument Date	Sep 27, 2023
Instrument	2023R-040624
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	SELECT TITLE GROUP

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	862 ELAINE DR, O FALLON, MO 63366-2348

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	150 LANGTREE DR, WENTZVILLE, MO 63385-3345

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		$57,912 (+0.46%)	$304,802 (+0.47%) Building $304,802
2025		$57,644 (+6.93%)	$303,390 (+6.93%) Building $303,390
2024	$3,570.00
2023		$53,910
2022			$283,735 Building $283,735

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 · 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

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

Wildfire Risk	Low lower than 67% of the US · lower than 78% of Missouri
Wildfire Likelihood	0.03% 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 224 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Wisper ISP.

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