906 Oak Trail Ln, O Fallon, MO 63366 Property Records

St. Charles County property record for 906 Oak Trail Ln, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,098 sqft · built 1977
Lot Size	3.14 acres (136,778 sqft)
Owner	2 Individual Names on File
Last Sale	$323,400 (Sep 2023)
Tax Bill	$3,229 (2025)
Deeds & Mortgages	May 2026 Mortgage Aug 2023 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`325330A020`

Property Details

APN / Parcel Number

Primary APN	`325330A020`
Alternative APN	`2-0049-5075-00-0021.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,098 sqft Living Area
Gross Area	2,668 sqft
1st Floor Area	1,756 sqft
Basement Area	360 sqft
Finished Basement	342 sqft
Unfinished Basement	18 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Split Level
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	136,778 sqft (3.14 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	552 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	32 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	325330A020
Street Address	906 OAK TRAIL LN
City	O FALLON
State	MO
Zip	63366-1429
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AE9
Legal Description	COUNTRY LIFE EST LOT 21
Legal Subdivision	COUNTRY LIFE EST
Legal Lot Number	21
Jurisdiction	ST CHARLES MO
Township / Civil Division	WENTZVILLE
Census Block Group	1
Census Block	1022
Census Tract	311801

Owner

Source: St. Charles County assessment roll, as of August 13, 2025

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 File
Mailing Address	906 OAK TRAIL LN, O FALLON, MO 63366-1429
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
May 8, 2026	Deed of Trust, Mortgage · VA Mortgage SWIFT HOME LOANS INC
Aug 11, 2023	Deed of Trust, Mortgage · Line of Credit FIRST BANK
Sep 18, 2023	Warranty Deed, Transfer · VA Mortgage GUARANTEED RATE AFFINITY LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 18, 2023 · Amount on Record
Deed Sale	Sep 18, 2023 · Amount on Record
Prior Sale	Jul 26, 2012
Deed Document Number	202338260
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Recording Date	May 8, 2026
Property Address	906 OAK TRAIL LN, O FALLON, MO 63366-1429
Document Number	0000021624
Instrument Date	Mar 30, 2026
Instrument	202621624
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety, 298
Address	906 OAK TRAIL LN, O FALLON, MO 63366-1429

Mortgage

Document Number	0000021624,
Date	May 8, 2026
Instrument	202621624

Lender

Name	SWIFT HOME LOANS INC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate	5.98%
Max Rate	-1%

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	906 OAK TRAIL LN, O FALLON, MO 63366-1429
Transaction Type	Mortgage
Record Updated	Jan 17, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	906 OAK TRAIL LN, O FALLON, MO 63366-1429

Mortgage

Document Number	0000032262
Date	Aug 11, 2023
Instrument	2023R-032262

Lender

Name	FIRST BANK
Type	Bank
Address	SAINT LOUIS, MO 63119

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Sep 18, 2023
Property Address	906 OAK TRAIL LN, O FALLON, MO 63366-1429
Document Number	0000038260
Map Reference	MB 19 PG 23
Instrument Date	Sep 8, 2023
Instrument	2023R-038260
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	NOT AVAILABLE, UST

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	906 OAK TRAIL LN, O FALLON, MO 63366-1429

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	906 OAK TRAIL LN, O FALLON, MO 63366-1429

Mortgage

Document Number	0000038261
Date	Sep 18, 2023
Instrument	2023R-038261

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2053

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of August 13, 2025

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Unified School District	Fort Zumwalt R-II School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,229.00 (+6.74%)	$54,414 (+9.79%)	$286,389 (+9.79%) Land $74,900 Building $211,489
2024	$3,025.00 (-7.12%)
2023		$49,564 (-0.31%)
2022	$3,257.00	$49,720	$260,862 (-0.31%) Land $74,900 Building $185,962
2021			$261,683 Land $74,900 Building $186,783

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	5 in force
Nearby Flood Claims	42 (1979–2022)
Claims Outside the SFHA	6 of 42
Most Recent Claim	Jul 2022 · Severe Storms And Flooding
Claims by Event	Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Dec 2015 · 3 claims Severe Storms & Flooding, Jul 1993 · 8 claims

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 64% of the US · lower than 72% of Missouri
Wildfire Likelihood	0.05% annual chance
Exposure	Direct burnable vegetation

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 138 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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