998 Emge Rd, O Fallon, MO 63366 Property Records

St. Charles County property record for 998 Emge Rd, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,601 sqft · built 1997
Lot Size	3 acres (130,680 sqft)
Owner	Individual Name on Record
Last Sale	$317,645 (Jul 2021)
Tax Bill	$3,909 (2025)
Deeds & Mortgages	Oct 2023 Line of Credit Jul 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`A972002060`

Property Details

APN / Parcel Number

Primary APN	`A972002060`
Alternative APN	`2-050A-7652-00-0004.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,601 sqft Living Area
Gross Area	4,256 sqft
1st Floor Area	1,746 sqft
Basement Area	1,710 sqft
Finished Basement	855 sqft
Unfinished Basement	855 sqft

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	130,680 sqft
Terrain	Rolling
Garage Type	Attached
Garage Area	800 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	284 sqft

Location & Zoning

Account Number	A972002060
Street Address	998 EMGE RD
City	O FALLON
State	MO
Zip	63366-2121
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FAWN TRLS LOT 4
Legal Subdivision	FAWN TRAILS
Legal Lot Number	4
Jurisdiction	ST CHARLES MO
Township / Civil Division	WENTZVILLE
Census Block Group	4
Census Block	4012
Census Tract	311802

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	Individual Name on Record
Mailing Address	998 EMGE RD, O FALLON, MO 63366-2121
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 13, 2023	Deed of Trust, Mortgage · Line of Credit REGIONS BANK
Jul 16, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage DELMAR FINANCIAL CO
Aug 16, 2018	Warranty Deed, Transfer · VA Mortgage DAS ACQUISITION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 16, 2021 · Amount on Record
Deed Sale	Jul 16, 2021 · Amount on Record
Prior Sale	Aug 16, 2018 · Amount on Record
Deed Document Number	202160060
Prior Transfer Date	Jul 9, 2021
Prior Transfer Doc	2021R060060
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	998 EMGE RD, O FALLON, MO 63366-2121
Transaction Type	Mortgage
Record Updated	Oct 27, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	998 EMGE RD, O FALLON, MO 63366-2121

Mortgage

Document Number	0000042179
Date	Oct 13, 2023
Instrument	2023R-042179

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 22, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Jul 16, 2021
Property Address	998 EMGE RD, O FALLON, MO 63366-2121
Document Number	2021R060060
Map Reference	MB 33 PG 385
Instrument Date	Jul 9, 2021
Instrument	2021R-060060
Transaction Type	Transfer
Record Updated	Jul 30, 2021
Title Company	INVESTORS TITLE COMPANY

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	998 EMGE RD, O FALLON, MO 63366-2121

Mortgage

Document Number	2021R060061
Date	Jul 16, 2021
Instrument	2021R-060061

Lender

Name	DELMAR FINANCIAL CO
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Aug 16, 2018
Property Address	998 EMGE RD, O FALLON, MO 63366-2121
Document Number	0069631851
Book / Page	6963 / 1851
Map Reference	MB 33 PG 385
Instrument Date	Aug 15, 2018
Instrument	20180816000467910
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	FREEDOM TITLE

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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	998 EMGE RD, O FALLON, MO 63366-2121

Mortgage

Document Number	20180816000467920
Date	Aug 16, 2018
Instrument	20180816000467920

Lender

Name	DAS ACQUISITION
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2048

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		$65,865 (-)	$346,654 (-) Land $82,800 Building $263,854
2025	$3,909.00 (-0.31%)	$65,865 (+2.53%)	$346,654 (+2.53%) Land $82,800 Building $263,854
2024	$3,921.00
2023		$64,240
2022			$338,104 Land $72,000 Building $266,104

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

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 66% of the US · lower than 76% of Missouri
Wildfire Likelihood	0.03% annual chance
Exposure	None beyond 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 108 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Gateway Fiber Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: Verizon, Wisper ISP.

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