St. Charles County property record for 986 Midpoint Dr, O Fallon, MO 63366
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,464 sqft · built 1996 |
| Lot Size | 0.33 acres (14,375 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $301,000 (Oct 2016) |
| Tax Bill | $4,896 (2025) |
| Deeds & Mortgages | Mar 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | A972000889 |
| Primary APN | A972000889 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,464 sqft Living Area |
| Gross Area | 5,214 sqft |
| 1st Floor Area | 2,464 sqft |
| Basement Area | 2,070 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 14,375 sqft (0.33 acres) |
| Terrain | Rolling |
| Garage Type | Attached |
| Garage Area | 680 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 90 sqft |
| Patio Area | 320 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | A972000889 |
|---|---|
| Street Address | 986 MIDPOINT DR |
| City | O FALLON |
| State | MO |
| Zip | 63366-5911 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AE9 |
| Legal Description | TURTLE CREEK #3 LOT 175 |
| Legal Subdivision | TURTLE CREEK #3 |
| Legal Lot Number | 175 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | LAKE ST. LOUIS |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 311712 |
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 | 986 MIDPOINT DR, O FALLON, MO 63366-5911 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 14, 2016 · Amount on Record |
| Deed Sale | Oct 14, 2016 · Amount on Record |
| Deed Document Number | 2016689670 |
| Deed Book / Page | 6632 / 344 |
| Prior Transfer Date | Oct 9, 2014 |
| Prior Transfer Doc | 0062690685 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 986 MIDPOINT DR, O FALLON, MO 63366-5911 |
| Transaction Type | Mortgage |
| Record Updated | Jan 28, 2022 |
| Name | Verified Name |
|---|---|
| Address | 986 MIDPOINT DR, O FALLON, MO 63366-5911 |
| Document Number | 0000024751 |
|---|---|
| Date | Mar 22, 2021 |
| Instrument | 2021R-024751 |
| Name | MISSOURI VALLEY FCU |
|---|---|
| Type | Credit Union |
| Address | SAINT PETERS, MO 63376 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2051 |
Source: St. Charles County assessment roll, as of August 13, 2025
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | O'Fallon City |
| Unified School District | Fort Zumwalt R-II School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,896.00 (+1.77%) | $76,356 (+4.78%) | $401,876 (+4.78%) Land $61,540 Building $340,336 |
| 2024 | $4,811.00 | ||
| 2023 | $72,871 | ||
| 2022 | $383,532 Land $50,000 Building $333,532 |
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.
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 9 (5% premium discount) |
| Nearby Flood Policies | 9 in force |
| Nearby Flood Claims | 22 (1981–2022) |
| Claims Outside the SFHA | 6 of 22 |
| Most Recent Claim | Jul 2022 · Severe Storms And Flooding |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 98.2% of Missouri |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ST CHARLES COUNTY PWSD 2 serves 100,587 people · EPA ID MO6024530 |
|---|---|
| Water Source | Purchased surface water from ST LOUIS CITY PWS |
| Last State Inspection | Aug 2023 |
| Lead | 2 ppb (2026) 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, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 446 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Wisper ISP Fixed Wireless | 400 / 30 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: Brightspeed, Gateway Fiber Holdings.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures