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  2. Missouri
  3. St. Charles County
  4. O Fallon
  5. Emge Rd

982 Emge Rd, O Fallon, MO 63366 Property Records

St. Charles County property record for 982 Emge Rd, O Fallon, MO 63366 · Last verified August 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 3 ba · 2,906 sqft · built 1997
Lot Size3 acres (130,680 sqft)
Owner2 Company Names on File
Tax Bill$6,025 (2025)
Deeds & MortgagesDec 2025 Line of Credit
Nov 2025 Mortgage
Flood ZoneZone X (minimal risk)
APNA972002062

Property Details

APN / Parcel Number

Primary APNA972002062
Alternative APN
  • 2-050A-7652-00-0006.0000000

Interior

Bedrooms3 Beds
Full Baths3 Baths
Total Rooms7 Rooms
Stories1 Story
Building Area2,906 sqft Living Area
Gross Area6,563 sqft
1st Floor Area2,906 sqft
Basement Area2,863 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1997
Effective Year BuiltEffective 1997
Architectural StyleRanch
Exterior MaterialBrick
Lot Area130,680 sqft
TerrainRolling
Garage TypeAttached
Garage Area794 sqft
Parking Spaces3 Parking Spaces
PorchOpen Porch
Porch Area160 sqft

Location & Zoning

Account NumberA972002062
Street Address982 EMGE RD
CityO FALLON
StateMO
Zip63366-2121
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionFAWN TRLS LOT 6
Legal SubdivisionFAWN TRAILS
Legal Lot Number6
JurisdictionST CHARLES MO
Township / Civil DivisionWENTZVILLE
Census Block Group4
Census Block4012
Census Tract311802

Owner

Source: St. Charles County records · APN A972002062

Assessment roll updated August 7, 2026 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Company Names on File
Mailing Address982 EMGE RD, O FALLON, MO 63366-2121
Owner TypeCompany
VestingBorrower in Default

Deeds, Mortgages & Sale History

DateDocument
Dec 08, 2025Deed of Trust, Mortgage · Line of Credit
FIRST COMMUNITY CU
Nov 03, 2025Deed of Trust, Mortgage · Conventional Mortgage
E MORTGAGE CAPITAL INC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last Transfer DateOct 06, 2005
Transfer Doc0043151557
Record UpdatedSep 20, 2026

December 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST CHARLES MO
Property Address982 EMGE RD, O FALLON, MO 63366-2121
Transaction TypeMortgage
Record UpdatedDec 24, 2025

Transferred To (Grantee/Buyer)

NameVerified Name
Address982 EMGE RD, O FALLON, MO 63366-2121

Mortgage

Document Number0000055008
DateDec 08, 2025
Instrument2025R-055008
Lender
NameFIRST COMMUNITY CU
TypeCredit Union
AddressCHESTERFIELD, MO 63005
Agreement
TypeLine of Credit
AmountAmount Recorded
Term173 Months
DueMay 01, 2040
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

November 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST CHARLES MO
Property Address982 EMGE RD, O FALLON, MO 63366-2121
Transaction TypeMortgage
Record UpdatedNov 18, 2025

Transferred To (Grantee/Buyer)

NameVerified Name
Address982 EMGE RD, O FALLON, MO 63366-2121

Mortgage

Document Number0000049184
DateNov 03, 2025
Instrument2025R-049184
Lender
NameE MORTGAGE CAPITAL INC
TypeMortgage Company
AddressSANTA ANA, CA 92704
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueNov 01, 2055
Interest
Rate TypeAdjustable Rate
Rate5.62%
Type Change DateNov 01, 2032
Change Frequency6 Months
Min Rate At Change2.75%
Max Rate At Change10.6%
IndexSOFR Average 30-Day
Max Rate10.6%

Tax Assessment & Valuation

Source: St. Charles County records · Assessment roll updated August 7, 2026 · Last verified August 2026

Property Jurisdictions

TypeName
StateMissouri
CountySt. Charles County
Unified School DistrictFort Zumwalt R-II School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2026$101,513 (-)$534,276 (-) Land $82,800 Building $451,476
2025$6,025.00 (+2.68%)$101,513 (+5.6%)$534,276 (+5.6%) Land $82,800 Building $451,476
2024$5,868.00
2023$96,130
2022$505,949 Land $72,000 Building $433,949

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Charles County (29183C), updated August 25, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 291833118024, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Community Rating SystemClass 9 (5% premium discount)
Nearby Flood Policies1 in force

Wildfire

Wildfire RiskLow
above 37% of the US · above 31% of Missouri
Wildfire LikelihoodAbout 1 in 2,273 per year
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 108 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Gateway Fiber HoldingsFiber2,000 / 2,000
SpectrumCable1,000 / 1,000
StarlinkSatellite (low-earth orbit)280 / 30

May also be available at this address: Wisper ISP, Verizon, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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