902 Saint Joseph Ave, O Fallon, MO 63366 Property Records

St. Charles County property record for 902 Saint Joseph Ave, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,687 sqft · built 1966
Lot Size	0.248 acres (10,800 sqft)
Owner	Individual Name on Record
Last Sale	$94,900 (Apr 2000)
Tax Bill	$2,437 (2025)
Deeds & Mortgages	Mar 2026 Line of Credit Jun 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`229380A000`

Property Details

APN / Parcel Number

Primary APN	`229380A000`
Alternative APN	`2-051C-4195-00-0030.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,687 sqft Living Area
Gross Area	2,396 sqft
1st Floor Area	912 sqft
Basement Area	912 sqft
Finished Basement	775 sqft
Unfinished Basement	137 sqft

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Architectural Style	Bi-Level
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,800 sqft (0.248 acres)
Lot Dimensions	120 ft deep x 90 ft wide
Garage Type	Attached
Garage Area	572 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	80 sqft
Deck Area	Deck Area
Patio Area	622 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	229380A000
Street Address	902 SAINT JOSEPH AVE
City	O FALLON
State	MO
Zip	63366-1866
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AE9
Legal Description	FOREST PK ADDN #3 LOT 30
Legal Subdivision	FOREST PK ADDN #3
Legal Lot Number	30
Jurisdiction	ST CHARLES MO
Township / Civil Division	O'FALLON
Census Block Group	4
Census Block	4004
Census Tract	311602

Owner

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	Individual Name on Record
Mailing Address	902 SAINT JOSEPH AVE, O FALLON, MO 63366-1866
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 16, 2026	Deed of Trust, Mortgage · Line of Credit COMMERCE BANK
Jun 12, 2018	Deed of Trust, Mortgage COMMERCE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 6, 2000 · Amount on Record
Deed Sale	Apr 6, 2000 · Amount on Record
Deed Document Number	200020239
Deed Book / Page	2380 / 1198
Last Transfer Date	Oct 14, 2014
Transfer Doc	0062582321
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	902 SAINT JOSEPH AVE, O FALLON, MO 63366-1866
Transaction Type	Mortgage
Record Updated	Mar 31, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	902 SAINT JOSEPH AVE, O FALLON, MO 63366-1866

Mortgage

Document Number	0000011986
Date	Mar 16, 2026
Instrument	2026R-011986

Lender

Name	COMMERCE BANK
Type	Bank
Address	KANSAS CITY, MO 64106

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Mar 7, 2036

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	902 SAINT JOSEPH AVE, O FALLON, MO 63366-1866
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0069321826
Date	Jun 12, 2018
Book Page	6932/1826
Instrument	20180612000326880

Lender

Name	COMMERCE BANK
Type	Bank
Address	KANSAS CITY, MO 64106

Agreement

Amount	Amount Recorded
Term	144 Months
Due	Jun 1, 2030

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		$37,688 (-)	$198,358 (-) Building $198,358
2025	$2,437.00 (+8.89%)	$37,688 (+12.3%)	$198,358 (+12.3%) Building $198,358
2024	$2,238.00
2023		$33,560
2022			$176,634 Land $40,000 Building $136,634

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 98% of the US · lower than 96% 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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