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

St. Charles County property record for 911 Oak Trail Ln, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 3,161 sqft · built 1988
Lot Size	3.03 acres (131,987 sqft)
Owner	2 Individual Names on Record
Last Sale	$370,000 (Nov 2022)
Tax Bill	$4,297 (2025)
Deeds & Mortgages	Nov 2022 Transfer Nov 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`325330A027`

Property Details

APN / Parcel Number

Primary APN	`325330A027`
Alternative APN	`2-0049-5075-00-0028.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	3,161 sqft Living Area
Gross Area	4,148 sqft
1st Floor Area	1,806 sqft
Basement Area	1,790 sqft
Finished Basement	1,355 sqft
Unfinished Basement	435 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Ranch
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	131,987 sqft
Terrain	Rolling
Garage Type	Attached
Garage Area	552 sqft
Parking Spaces	2 Parking Spaces
Porch	Screened Porch
Porch Area	480 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	325330A027
Street Address	911 OAK TRAIL LN
City	O FALLON
State	MO
Zip	63366-1428
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AE9
Legal Description	COUNTRY LIFE EST LOT 28
Legal Subdivision	COUNTRY LIFE EST
Legal Lot Number	28
Jurisdiction	ST CHARLES MO
Township / Civil Division	WENTZVILLE
Census Block Group	1
Census Block	1021
Census Tract	311801

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	2 Individual Names on Record
Mailing Address	911 OAK TRAIL LN, O FALLON, MO 63366-1428
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 4, 2022	Affidavit of Death of Joint Tenant, Transfer TITLE PARTNERS AGENCY LLC
Nov 4, 2022	Warranty Deed, Transfer · Conventional Mortgage MIDWEST BANK CENTRE
Aug 13, 2021	Beneficiary Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 4, 2022 · Amount on Record
Deed Sale	Nov 4, 2022 · Amount on Record
Deed Document Number	202260129
Prior Transfer Date	Nov 3, 2022
Prior Transfer Doc	0000060128
Record Updated	Oct 29, 2026

November 2022: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	ST CHARLES MO
Recording Date	Nov 4, 2022
Property Address	911 OAK TRAIL LN, O FALLON, MO 63366-1428
Document Number	0000060128
Map Reference	MB 19 PG 103
Instrument Date	Nov 2, 2022
Instrument	2022R-060128
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	TITLE PARTNERS AGENCY LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Nov 4, 2022
Property Address	911 OAK TRAIL LN, O FALLON, MO 63366-1428
Document Number	0000060129
Map Reference	MB 19 PG 103
Instrument Date	Nov 2, 2022
Instrument	2022R-060129
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	TITLE PARTNERS AGENCY LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	143 DRUMLIN CIR, OREGON, WI 53575-3957

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	911 OAK TRAIL LN, O FALLON, MO 63366-1428

Mortgage

Document Number	0000060130
Date	Nov 4, 2022
Instrument	2022R-060130

Lender

Name	MIDWEST BANK CENTRE
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2052

August 2021: Beneficiary Deed, Transfer

Document Type	Beneficiary Deed
Jurisdiction	ST CHARLES MO
Recording Date	Aug 13, 2021
Property Address	911 OAK TRAIL LN, O FALLON, MO 63366-1428
Document Number	0000068349
Map Reference	MB 19 PG 23
Instrument Date	Aug 10, 2021
Instrument	2021R-068349
Transaction Type	Transfer
Record Updated	Jan 17, 2024

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	911 OAK TRAIL LN, O FALLON, MO 63366-1428

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of August 7, 2026

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
2026		$72,395 (-)	$381,030 (-) Land $60,648 Building $320,382
2025	$4,297.00	$72,395 (+10.5%)	$381,030 (+10.5%) Land $60,648 Building $320,382
2023		$65,517
2022			$344,826 Land $60,648 Building $284,178

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 100 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	Moderate above 42% of the US · above 45% of Missouri
Wildfire Likelihood	0.06% 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 42 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: Gateway Fiber, Wisper ISP.

Cell Coverage

5G (outdoors only) and 4G LTE

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