10 Pinehurst Ridge Ct, O Fallon, MO 63366 Property Records

St. Charles County property record for 10 Pinehurst Ridge Ct, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,628 sqft · built 1998
Lot Size	0.27 acres (11,761 sqft)
Owner	2 Individual Names on Record
Last Sale	$142,641 (Jun 1998)
Deeds & Mortgages	Jun 2017 Line of Credit May 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`A982001438`

Property Details

APN / Parcel Number

Primary APN	`A982001438`
Alternative APN	`2-0060-7850-00-0097.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,628 sqft Living Area
Gross Area	4,006 sqft
1st Floor Area	1,628 sqft
Basement Area	1,628 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Ranch
Exterior Material	Brick/Stone
Lot Area	11,761 sqft (0.27 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	750 sqft
Parking Spaces	3 Parking Spaces
Patio Area	634 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	A982001438
Street Address	10 PINEHURST RIDGE CT
City	O FALLON
State	MO
Zip	63366-5950
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PINEHURST #1 LOT 97
Legal Subdivision	PINEHURST #1
Legal Lot Number	97
Jurisdiction	ST CHARLES MO
Township / Civil Division	LAKE ST. LOUIS
Census Block Group	1
Census Block	1007
Census Tract	311712

Owner

Source: St. Charles County records, as of August 7, 2026

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 Record
Mailing Address	10 PINEHURST RIDGE CT, O FALLON, MO 63366-5950
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 5, 2017	Deed of Trust, Mortgage · Line of Credit PROVIDENCE BANK
May 13, 2019	Deed of Trust, Mortgage · Line of Credit PNC BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 12, 1998 · Amount on Record
Deed Sale	Jun 12, 1998 · Amount on Record
Deed Document Number	199846681
Deed Book / Page	2088 / 555
Record Updated	Sep 20, 2026

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	10 PINEHURST RIDGE CT, O FALLON, MO 63366-5950
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0067540021
Date	Jun 5, 2017
Book Page	6754/0021
Instrument	20170605000340770

Lender

Name	PROVIDENCE BANK
Type	Bank
Address	SAINT PETERS, MO 63376

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	119 Months
Due	May 20, 2027

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	10 PINEHURST RIDGE CT, O FALLON, MO 63366-5950
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0070730357
Date	May 13, 2019
Book Page	7073/0357
Instrument	20190513000225870

Lender

Name	PNC BANK NA
Type	Bank
Address	CLEVELAND, OH 44101

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	May 3, 2059

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of August 7, 2026

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Municipality	O'Fallon City
Unified School District	Fort Zumwalt R-II School District (PK - 12)

Tax Bill & Assessment History

Year	Assessed Value	Assessed Market Value
2026	$61,464 (+10.68%)	$323,497 (+10.69%) Land $75,000 Building $248,497
2023	$55,531
2022		$292,267 Land $60,000 Building $232,267

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 98% of the US · lower than 96% of Missouri
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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	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

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 355 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
Wisper ISP Fixed Wireless	400 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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