St. Charles County property record for 10 Democracy Cir, O Fallon, MO 63368
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,554 sqft · built 1989 |
| Lot Size | 0.29 acres (12,632 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $468,000 (Jul 2025) |
| Tax Bill | $4,554 (2025) |
| Deeds & Mortgages | Mar 2026 Mortgage Apr 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | A902001117 |
| Primary APN | A902001117 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,554 sqft Living Area |
| Gross Area | 3,219 sqft |
| 1st Floor Area | 946 sqft |
| Basement Area | 918 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Architectural Style | Bi-Level |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 12,632 sqft (0.29 acres) |
| Garage Type | Attached |
| Garage Area | 437 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
|---|---|
| Porch Area | 80 sqft |
| Deck Area | Deck Area |
| Patio Area | 323 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | A902001117 |
|---|---|
| Street Address | 10 DEMOCRACY CIR |
| City | O FALLON |
| State | MO |
| Zip | 63368-8546 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MONTICELLO VLG C LOT 74 |
| Legal Subdivision | MONTICELLO VLG C |
| Legal Lot Number | 74 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | WELDON SPRING |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 311151 |
10 Democracy Cir is owned and occupied by two individuals who bought it in July 2025.
Source: St. Charles County records, as of September 11, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 10 DEMOCRACY CIR, O FALLON, MO 63368-8546 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Mar 30, 2026 | Deed of Trust, Mortgage · Conventional Mortgage FARMERS AND MERCHANTS BANK OF ST CLAIR |
| Apr 12, 2021 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 15, 2025 · Amount on File |
| Deed Sale | Jul 15, 2025 · Amount on File |
| Prior Sale | May 18, 2012 · Amount on File |
| Deed Document Number | 202529998 |
| Prior Transfer Date | Dec 7, 2015 |
| Prior Transfer Doc | 0064620872 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 10 DEMOCRACY CIR, O FALLON, MO 63368-8546 |
| Transaction Type | Mortgage |
| Record Updated | Apr 13, 2026 |
| Name | Verified Name |
|---|---|
| Address | 10 DEMOCRACY CIR, O FALLON, MO 63368-8546 |
| Document Number | 0000014368 |
|---|---|
| Date | Mar 30, 2026 |
| Instrument | 2026R-014368 |
| Name | FARMERS AND MERCHANTS BANK OF ST CLAIR |
|---|---|
| Type | Bank |
| Address | SAINT CLAIR, MO 63077 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 10 DEMOCRACY CIR, O FALLON, MO 63368-8546 |
| Transaction Type | Mortgage |
| Record Updated | Apr 28, 2021 |
| Name | Verified Name |
|---|---|
| Address | 10 DEMOCRACY CIR, O FALLON, MO 63368-8546 |
| Document Number | 2021R031662 |
|---|---|
| Date | Apr 12, 2021 |
| Instrument | 2021R-031662 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 133 Months |
| Due | May 1, 2032 |
The 2025 property tax bill for 10 Democracy Cir was $4,554, up 8.6% from the year before.
Source: St. Charles County assessment roll, as of August 7, 2026
| 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 |
|---|---|---|---|
| 2026 | $70,147 (+0.45%) | $369,192 (+0.45%) Land $72,380 Building $296,812 | |
| 2025 | $4,554.00 (+8.64%) | $69,832 | $367,534 Land $72,380 Building $295,154 |
| 2024 | $4,192.00 | ||
| 2023 | $63,722 | ||
| 2022 | $335,380 Land $55,000 Building $280,380 |
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.
FEMA maps place 10 Democracy Cir in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective August 25, 2024
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 10 Democracy Cir is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 95% of Missouri |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 382 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Wisper ISP Fixed Wireless | 400 / 30 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
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