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1 River Lake Ct, O Fallon, MO 63366 Property Records

St. Charles County property record for 1 River Lake Ct, O Fallon, MO 63366

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,600 sqft · built 2019
Lot Size0.285 acres (12,415 sqft)
Owner2 Individual Names on File
Last Sale$304,900 (May 2020)
Tax Bill$3,864 (2025)
Deeds & MortgagesMay 2020 Sale & Mortgage
Dec 2019 Sale
Flood ZoneZone X (minimal risk)
APNT180300041

Property Details

APN / Parcel Number

Primary APNT180300041
Alternative APN
  • 2-0087-C558-00-0652.0000000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Total Rooms6 Rooms
Stories1 Story
Building Area1,600 sqft Living Area
Basement Area1,600 sqft

Exterior

Year BuiltBuilt 2019
Exterior MaterialBrick/Stone
Lot Area12,415 sqft (0.285 acres)
Garage TypeAttached
Parking Spaces3 Parking Spaces

Utilities, Heating & Cooling

SewerConnected

Location & Zoning

Account NumberT180300041
Street Address1 RIVER LAKE CT
CityO FALLON
StateMO
Zip63366-1558
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionRIVERDALE VLG B #3 LOT 652
Legal Range02E
Legal Township48N
Legal SubdivisionRIVERDALE VLG B #3
Legal Lot Number652
JurisdictionST CHARLES MO
Township / Civil DivisionWENTZVILLE
Census Block Group2
Census Block2005
Census Tract312001

Owner

1 River Lake Ct is owned and occupied by two individuals who bought it in May 2020.

Source: St. Charles County records, as of March 16, 2026

Owner of Record2 Individual Names on File
Mailing Address1 RIVER LAKE CT, O FALLON, MO 63366-1558
OccupancyOwner Occupied
Owner TypeIndividual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

DateDocument
May 19, 2020Grant Deed, Subdivision Related Transfer
FIRST ST BK/ST CHARLES
Dec 23, 2019Warranty Deed, Transfer
OTHER

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMay 19, 2020 · Amount on File
Deed SaleMay 19, 2020 · Amount on File
Prior SaleSep 20, 2017
Deed Document Number0000729831
Deed Book / Page7298 / 31
Record UpdatedJun 8, 2026

May 2020: Grant Deed, Subdivision Related Transfer

Document TypeGrant Deed
JurisdictionST CHARLES MO
Recording DateMay 19, 2020
Property Address1 RIVER LAKE CT, O FALLON, MO 63366-1558
Document Number0072980031
Book / Page007298 / 000031
Instrument DateMay 8, 2020
Instrument322590
Transaction TypeSubdivision Related Transfer
Record UpdatedJul 28, 2020
Title CompanyNOT AVAILABLE

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address1 RIVER LAKE CT ST PAUL MO 633661558, ST PAUL, MO 63366-1558

Mortgage

Document Number72980033
DateMay 19, 2020
Book Page007298/000033
Instrument322600
Lender
NameFIRST ST BK/ST CHARLES
TypeBank
AddressSAINT CHARLES, MO 63301
Agreement
AmountAmount on Record
Term360 Months
DueMay 18, 2050

December 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionST CHARLES MO
Recording DateDec 23, 2019
Property Address1 RIVER LAKE CT, O FALLON, MO 63366-1558
Document Number0072032436
Book / Page007203 / 002436
Instrument DateDec 20, 2019
Instrument738380
Transaction TypeTransfer
Record UpdatedFeb 13, 2020
Title CompanyOTHER

Transaction

AmountAmount on Record
Tax$0.00
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address239 FOX HILL RD ST CHARLES MO 633013745, ST CHARLES, MO 63301-3745
InvestorPossibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 1 River Lake Ct was $3,864.

Source: St. Charles County assessment roll, as of July 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$3,864.00$62,924$331,177 Land $70,000 Building $261,177
2023$64,056
2022$337,131 Land $55,000 Building $282,131

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

FEMA maps place 1 River Lake Ct in Zone X, an area of minimal flood risk, though there have been 25 flood claims nearby since 1982.

Source: FEMA National Flood Hazard Layer, effective August 25, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies2 in force
Nearby Flood Claims25 (1982–2015)
Claims Outside the SFHA1 of 25
Most Recent ClaimJun 2015 · river or lake flooding
Claims by Event
  • Severe Storms, Tornadoes, Flooding, Apr 1994 · 3 claims
  • Severe Storms & Flooding, Sep 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

Wildfire risk around 1 River Lake Ct is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 93% of the US · lower than 90% of Missouri
Wildfire Likelihood0.01% annual chance
ExposureNone
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 SystemST PAUL PWS
serves 1,700 people · EPA ID MO6011535
Water SourceGroundwater
Last State InspectionAug 2024
LeadUnder 1 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 185 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Gateway Fiber
Fiber		2,000 / 2,000
Spectrum
Cable		1,000 / 1,000
Brightspeed
Fiber		940 / 940
T-Mobile
Fixed Wireless		100 / 20

May also be available: Wisper ISP.

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