St. Charles County property record for 904 Clover Ln, O Fallon, MO 63366
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,475 sqft · built 1977 |
| Lot Size | 0.208 acres (9,075 sqft) |
| Owner | Company Name on File |
| Tax Bill | $2,930 (2024) |
| Deeds & Mortgages | Aug 2022 Reverse Mortgage Jan 2020 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 237748A000 |
| Primary APN | 237748A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,475 sqft Living Area |
| Gross Area | 3,412 sqft |
| 1st Floor Area | 1,475 sqft |
| Basement Area | 1,475 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 9,075 sqft (0.208 acres) |
| Lot Dimensions | 121 ft deep x 75 ft wide |
| Garage Type | Attached |
| Garage Area | 462 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 144 sqft |
| Deck Area | Deck Area |
| Patio Area | 200 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 237748A000 |
|---|---|
| Street Address | 904 CLOVER LN |
| City | O FALLON |
| State | MO |
| Zip | 63366-1824 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AE9 |
| Legal Description | WILLOW RUN LOT 118 |
| Legal Subdivision | WILLOW RUN |
| Legal Lot Number | 118 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | O'FALLON |
| Census Block Group | 4 |
| Census Block | 4000 |
| Census Tract | 311602 |
Source: St. Charles County records · APN 237748A000
Assessment roll updated August 13, 2025 · Last verified April 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 904 CLOVER LN, O FALLON, MO 63366-1824 |
| Owner Type | Company |
| Vesting | Borrower in Default |
| Date | Document |
|---|---|
| Aug 10, 2022 | Deed of Trust, Mortgage · Reverse Mortgage MUTUAL OF OMAHA MORTGAGE INC |
| Jan 06, 2020 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jul 01, 2011 |
| Deed Sale | Jul 01, 2011 |
| Prior Sale | Sep 09, 2008 · Amount on Record |
| Deed Document Number | 2011389600 |
| Deed Book / Page | 5605 / 1195 |
| Last Transfer Date | Jan 02, 2020 |
| Transfer Doc | 0072110082 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 904 CLOVER LN, O FALLON, MO 63366-1824 |
| Transaction Type | Mortgage |
| Record Updated | Aug 16, 2023 |
| Title Company | TIMIOS TITLE INC, TIMIOS TITLE |
| Name | Verified Name |
|---|---|
| Address | 904 CLOVER LN, O FALLON, MO 63366-1824 |
| Document Number | 0000044240 |
|---|---|
| Date | Aug 10, 2022 |
| Instrument | 2022R-044240 |
| Name | MUTUAL OF OMAHA MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92108 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 908 Months |
| Due | Apr 12, 2098 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.46% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Oct 01, 2022 |
| Change Frequency | Monthly |
| Index | 1-Year CMT |
| Max Rate | 10.4% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jan 06, 2020 |
| Property Address | 904 CLOVER LN, O FALLON, MO 63366-1824 |
| Document Number | 0072110084 |
| Book / Page | 007211 / 000084 |
| Instrument Date | Jan 02, 2020 |
| Instrument | 7300 |
| Transaction Type | Transfer |
| Record Updated | Feb 13, 2020 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 904 CLOVER LN O FALLON MO 633661824, O FALLON, MO 63366-1824 |
Source: St. Charles County records · Assessment roll updated August 13, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | O'Fallon City |
| Unified School District | Fort Zumwalt R-II School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $48,086 (+8.95%) | $253,084 (+8.95%) Land $50,000 Building $203,084 | |
| 2024 | $2,930.00 (+12.39%) | ||
| 2023 | $44,137 (+20.96%) | ||
| 2022 | $2,607.00 | $36,489 | $232,301 (+20.96%) Land $40,000 Building $192,301 |
| 2021 | $192,048 Land $40,000 Building $152,048 |
Source: FEMA National Flood Hazard Layer as of August 25, 2024 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| 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 are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Gateway Fiber Holdings 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 USA Fixed Wireless | 100 / 20 |
May also be available: Brightspeed, Wisper ISP.
Based on FCC filings for 439 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | OFALLON PWS serves 32,515 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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