903 Clover Ln, O Fallon, MO 63366 Property Records

St. Charles County property record for 903 Clover Ln, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,078 sqft · built 1980
Lot Size	0.204 acres (8,892 sqft)
Owner	Individual Name on Record
Last Sale	$270,000 (Feb 2025)
Tax Bill	$2,591 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Jan 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`237738A000`

Property Details

APN / Parcel Number

Primary APN	`237738A000`
Alternative APN	`2-051B-4970-00-0113.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,078 sqft Living Area
Gross Area	2,566 sqft
1st Floor Area	1,078 sqft
Basement Area	1,008 sqft

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Ranch
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,892 sqft (0.204 acres)
Lot Dimensions	117 ft deep x 76 ft wide
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	80 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	237738A000
Street Address	903 CLOVER LN
City	O FALLON
State	MO
Zip	63366-1823
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AE9
Legal Description	WILLOW RUN LOT 113
Legal Subdivision	WILLOW RUN
Legal Lot Number	113
Jurisdiction	ST CHARLES MO
Township / Civil Division	O'FALLON
Census Block Group	4
Census Block	4001
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	903 CLOVER LN, O FALLON, MO 63366-1823
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Mar 31, 2026	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Jan 7, 2020	Deed of Trust, Mortgage · Commercial Mortgage REGIONS BANK
May 1, 2019	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 28, 2025 · Amount on Record
Deed Sale	Feb 28, 2025 · Amount on Record
Prior Sale	Oct 31, 2024 · Amount on Record
Deed Document Number	20257879
Prior Transfer Date	Oct 16, 2024
Prior Transfer Doc	0000045576
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	903 CLOVER LN, O FALLON, MO 63366-1823
Transaction Type	Mortgage
Record Updated	Apr 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	903 CLOVER LN, O FALLON, MO 63366-1823

Mortgage

Document Number	0000014662
Date	Mar 31, 2026
Instrument	2026R-014662

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	903 CLOVER LN, O FALLON, MO 63366-1823
Transaction Type	Mortgage
Record Updated	Aug 16, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000011030
Date	Jan 7, 2020
Book Page	7211/2408
Instrument	20200107000011030

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35211

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	179 Months
Due	Dec 17, 2034

May 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CHARLES MO
Recording Date	May 1, 2019
Property Address	903 CLOVER LN, O FALLON, MO 63366-1823
Document Number	0070671282
Book / Page	007067 / 001282
Instrument Date	Apr 24, 2019
Instrument	202630
Transaction Type	Transfer
Record Updated	May 16, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	27 WHINHILL CT ST PETERS MO 633047560, ST PETERS, MO 63304-7560

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		$40,102 (-)	$211,063 (-) Land $50,000 Building $161,063
2025	$2,591.00 (+0.31%)	$40,102 (+3.28%)	$211,063 (+3.28%) Land $50,000 Building $161,063
2024	$2,583.00
2023		$38,829
2022			$204,364 Land $40,000 Building $164,364

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 93% of the US · lower than 90% of Missouri
Wildfire Likelihood	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 439 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
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Brightspeed, Wisper ISP.

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