10 River Rock Ct, O Fallon, MO 63366 Property Records

St. Charles County property record for 10 River Rock Ct, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,010 sqft · built 2019
Lot Size	0.542 acres (23,610 sqft)
Owner	Individual Name on File
Last Sale	$370,368 (Apr 2020)
Tax Bill	$4,830 (2025)
Deeds & Mortgages	Jan 2021 Mortgage Apr 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T190300286`

Property Details

APN / Parcel Number

Primary APN	`T190300286`
Alternative APN	`2-0087-C715-00-0647.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,010 sqft Living Area
Basement Area	2,010 sqft
Finished Basement	1,307 sqft

Exterior

Year Built	Built 2019
Exterior Material	Brick
Lot Area	23,610 sqft (0.542 acres)
Garage Type	Attached
Parking Spaces	4 Parking Spaces

Location & Zoning

Account Number	T190300286
Street Address	10 RIVER ROCK CT
City	O FALLON
State	MO
Zip	63366-1792
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RIVERDALE VLG E #1 LOT 647
Legal Range	02E
Legal Township	48N
Legal Subdivision	RIVERDALE VLG E #1
Legal Lot Number	647
Jurisdiction	ST CHARLES MO
Township / Civil Division	WENTZVILLE
Census Block Group	2
Census Block	2005
Census Tract	312001

Owner

10 River Rock Ct is owned and occupied by an individual who bought it in April 2020.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	10 RIVER ROCK CT, O FALLON, MO 63366-1792
Occupancy	Owner Occupied
Owner Type	Individual

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

Date	Document
Jan 22, 2021	Deed of Trust, Mortgage REGIONS BK
Apr 1, 2020	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage REGIONS BANK
Dec 23, 2019	Warranty Deed, Transfer OTHER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 1, 2020 · Amount on File
Deed Sale	Apr 1, 2020 · Amount on File
Deed Document Number	0072601673
Deed Book / Page	7260 / 1673
Record Updated	Jun 8, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	10 RIVER ROCK CT, O FALLON, MO 63366-1792
Document Number	0000008948
Instrument Date	Jan 22, 2021
Transaction Type	Mortgage
Record Updated	Apr 5, 2021
Title Company	INVESTORS TITLE COMPANY, INVESTORS TITLE CO.

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	10 RIVER ROCK CT O FALLON MO 633661792, O FALLON, MO 63366-1792

Mortgage

Document Number	0000008948
Date	Jan 29, 2021
Instrument	8948

Lender

Name	REGIONS BK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Amount	Amount on Record
Term	300 Months
Due	Jan 28, 2046

April 2020: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Apr 1, 2020
Property Address	10 RIVER ROCK CT, O FALLON, MO 63366-1792
Document Number	0072601673
Book / Page	7260 / 1673
Map Reference	MB 50 PG 162-165
Instrument Date	Mar 31, 2020
Instrument	20200401000200600
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 9, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 RIVER ROCK CT, SAINT PAUL, MO 63366-1792

Mortgage

Document Number	20200401000200610
Date	Apr 1, 2020
Instrument	20200401000200610

Lender

Name	REGIONS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2050

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Dec 23, 2019
Property Address	10 RIVER ROCK CT, O FALLON, MO 63366-1792
Document Number	0072032436
Book / Page	007203 / 002436
Instrument Date	Dec 20, 2019
Instrument	738380
Transaction Type	Transfer
Record Updated	Feb 13, 2020
Title Company	OTHER

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	239 FOX HILL RD ST CHARLES MO 633013745, ST CHARLES, MO 63301-3745
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 10 River Rock Ct was $4,830.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,830.00	$78,775	$414,604 Land $70,000 Building $344,604
2023		$78,990
2022			$415,739 Land $55,000 Building $360,739

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 10 River Rock 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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	25 (1982–2015)
Claims Outside the SFHA	1 of 25
Most Recent Claim	Jun 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 10 River Rock 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 Risk	Low lower than 80% of the US · lower than 84% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ST PAUL PWS serves 1,700 people · EPA ID MO6011535
Water Source	Groundwater
Last State Inspection	Aug 2024
Lead	Under 1 ppb (2022–2024) 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 203 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Gateway Fiber Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Brightspeed, Verizon.

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