971 W Terra Ln, O Fallon, MO 63366 Property Records

St. Charles County property record for 971 W Terra Ln, O Fallon, MO 63366

Property Summary

Property Type	Commercial
Details	11,700 sqft · built 2003
Lot Size	1.2 acres (52,272 sqft)
Owner	Company Name on Record
Last Sale	$865,000 (Dec 2017)
Tax Bill	$20,864 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Jul 2018 Loan Modification + 3 more
Flood Zone	Zone X (minimal risk)
APN	`T040300404`

Property Details

APN / Parcel Number

Primary APN	`T040300404`
Alternative APN	`2-0057-9338-00-025B.0000000`

Interior

Stories	1 Story
Building Area	11,700 sqft Gross Area
1st Floor Area	11,700 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Lot Area	52,272 sqft (1.2 acres)

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	T040300404
Street Address	971 W TERRA LN
City	O FALLON
State	MO
Zip	63366-2354
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	NORTH CENTRAL INDL PK RESUB LOT 25 LOT 25B
Legal Subdivision	NORTH CENTRAL INDUSTRIAL PK RESUB LT 25
Legal Lot Number	25B
Jurisdiction	ST CHARLES MO
Township / Civil Division	WENTZVILLE
Census Block Group	2
Census Block	2027
Census Tract	311802

Owner

Source: St. Charles County records, as of May 6, 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 Record
Mailing Address	975 W TERRA LN, O FALLON, MO 63366-2354
Owner Type	Company
Vesting	Limited Liability Company

Deeds, Mortgages & Sale History

Date	Document
Apr 24, 2026	Deed of Trust, Mortgage · Line of Credit TRIAD BANK
Jul 24, 2018	Loan Modification, Mortgage BUSEY BK
Apr 20, 2018	Loan Modification, Mortgage BUSEY BK
Apr 20, 2018	Loan Modification, Mortgage BUSEY BK
Dec 28, 2017	Warranty Deed, Transfer · Line of Credit BUSEY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 28, 2017 · Amount on Record
Deed Sale	Dec 28, 2017 · Amount on Record
Prior Sale	Nov 13, 2012 · Amount on Record
Deed Document Number	2017798980
Deed Book / Page	6859 / 1435
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Recording Date	Apr 24, 2026
Property Address	971 W TERRA LN, O FALLON, MO 63366-2354
Document Number	0000019109
Instrument Date	Apr 22, 2026
Instrument	202619109
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership, 266
Address	2050 N HIGHWAY 79, ELSBERRY, MO 63343-3711

Mortgage

Document Number	0000019109,
Date	Apr 24, 2026
Instrument	202619109

Lender

Name	TRIAD BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate	6.38%
Max Rate	-1%

July 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST CHARLES MO
Property Address	971 W TERRA LN, O FALLON, MO 63366-2354
Document Number	0069581818
Instrument Date	Jul 24, 2018
Transaction Type	Mortgage
Record Updated	Jan 14, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	971 W TERRA LN O FALLON MO 633662354, O FALLON, MO 63366-2354

Mortgage

Document Number	0069581818
Date	Aug 6, 2018
Book Page	006958/001818
Instrument	444960

Lender

Name	BUSEY BK
Type	Bank
Address	CREVE COEUR, MO 63141

Agreement

Amount	Amount Recorded

April 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST CHARLES MO
Property Address	971 W TERRA LN, O FALLON, MO 63366-2354
Document Number	0069500194
Instrument Date	Apr 20, 2018
Transaction Type	Mortgage
Record Updated	Jan 14, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	971 W TERRA LN O FALLON MO 633662354, O FALLON, MO 63366-2354

Mortgage

Document Number	0069500194
Date	Jul 18, 2018
Book Page	006950/000194
Instrument	405720

Lender

Name	BUSEY BK
Type	Bank
Address	12300 OLIVE BLVD, CREVE COEUR, MO 63141-6402

Agreement

Amount	Amount Recorded

April 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST CHARLES MO
Property Address	971 W TERRA LN, O FALLON, MO 63366-2354
Document Number	0069342428
Instrument Date	Apr 20, 2018
Transaction Type	Mortgage
Record Updated	Jul 4, 2018
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	971 W TERRA LN O FALLON MO 633662354, O FALLON, MO 63366-2354

Mortgage

Document Number	0069342428
Date	Jun 18, 2018
Book Page	006934/002428
Instrument	337490

Lender

Name	BUSEY BK
Type	Bank
Address	12300 OLIVE BLVD, CREVE COEUR, MO 63141-6402

Agreement

Amount	Amount Recorded

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Dec 28, 2017
Property Address	971 W TERRA LN, O FALLON, MO 63366-2354
Document Number	0068591435
Book / Page	6859 / 1435
Map Reference	MB 28 PG 15
Instrument Date	Dec 28, 2017
Instrument	20171228000798980
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	FIRST AMERICAN TITLE INSURAN

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 998, SAINT CHARLES, MO 63302-0998

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	975 W TERRA LN, O FALLON, MO 63366-2354

Mortgage

Document Number	20171228000798990
Date	Dec 28, 2017
Instrument	20171228000798990

Lender

Name	BUSEY BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

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
2025	$20,864.00 (-2.64%)	$302,941 (-)	$946,692 (-) Land $235,224 Building $711,468
2024	$21,430.00
2023		$302,941
2022			$946,692 Land $235,224 Building $711,468

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	1 in force
Nearby Flood Claims	5 (1979–2015)
Claims Outside the SFHA	3 of 5
Most Recent Claim	Dec 2015 · Severe Storms, Tornadoes, Straight-line Winds, And Flooding

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	Not rated no burnable land within 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 106 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: Gateway Fiber, T-Mobile, Verizon, Wisper ISP.

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