101 Keystone Ridge Dr, O Fallon, MO 63366 Property Records

St. Charles County property record for 101 Keystone Ridge Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 4,050 sqft · built 2018
Lot Size	0.282 acres (12,280 sqft)
Owner	2 Individual Names on File
Last Sale	$399,900 (Jan 2020)
Tax Bill	$5,499 (2025)
Deeds & Mortgages	Jan 2020 Mortgage Nov 2018 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`T180200048`

Property Details

APN / Parcel Number

Primary APN	`T180200048`
Alternative APN	`2-0048-C585-00-0001.0000000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	4,050 sqft Living Area
Gross Area	4,890 sqft
1st Floor Area	1,666 sqft
Basement Area	1,420 sqft
Finished Basement	1,000 sqft
Unfinished Basement	420 sqft

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Bi-Level
Exterior Material	Brick/Stone
Lot Area	12,280 sqft (0.282 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	T180200048
Street Address	101 KEYSTONE RIDGE DR
City	O FALLON
State	MO
Zip	63366-5093
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	KEYSTONE RIDGE LOT 1
Legal Subdivision	KEYSTONE RIDGE
Legal Lot Number	1
Jurisdiction	ST CHARLES MO
Township / Civil Division	WENTZVILLE
Census Block Group	3
Census Block	3086
Census Tract	312095

Owner

101 Keystone Ridge Dr is owned and occupied by two individuals who bought it in January 2020.

Source: St. Charles County records, as of August 13, 2025

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

Owner of Record	2 Individual Names on File
Mailing Address	101 KEYSTONE RIDGE DR, O FALLON, MO 63366-5093
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 3, 2020	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Nov 9, 2018	Loan Modification, Mortgage TITLE PARTNERS AGENCY LLC, TITLE PTRS AGCY LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 3, 2020 · Amount on File
Deed Sale	Jan 3, 2020 · Amount on File
Prior Sale	Dec 13, 2017
Deed Document Number	20204280
Deed Book / Page	7210 / 483
Record Updated	Jun 8, 2026

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jan 3, 2020
Property Address	101 KEYSTONE RIDGE DR, O FALLON, MO 63366-5093
Document Number	0072100483
Book / Page	7210 / 0483
Map Reference	MB 49 PG 332
Instrument Date	Dec 30, 2019
Instrument	20200103000004280
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	DEPENDABLE TITLE LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	16091 SWINGLEY RIDGE RD # RD300, 16091, CHESTERFIELD, MO 63017-2005

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	101 KEYSTONE RIDGE DR, O FALLON, MO 63366-5093

Mortgage

Document Number	20200103000004290
Date	Jan 3, 2020
Instrument	20200103000004290

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

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

November 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST CHARLES MO
Property Address	101 KEYSTONE RIDGE DR, O FALLON, MO 63366-5093
Document Number	0070060749
Instrument Date	Nov 9, 2018
Transaction Type	Mortgage
Record Updated	Dec 11, 2018
Title Company	TITLE PARTNERS AGENCY LLC, TITLE PTRS AGCY LLC

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	16091 SWINGLEY RIDGE RD #300 CHESTERFIELD MO 630172056, 300, CHESTERFIELD, MO 63017-2056

Tax Assessment & Valuation

The 2025 property tax bill for 101 Keystone Ridge Dr was $5,499, down 8.7% from the year before.

Source: St. Charles County assessment roll, as of August 13, 2025

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	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,499.00 (-8.73%)	$88,350	$465,003 Land $50,000 Building $415,003
2024	$6,025.00
2023		$94,063
2022			$495,064 Land $50,000 Building $445,064

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 101 Keystone Ridge Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2022.

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	1 (2022)
Most Recent Claim	Jul 2022 · Severe Storms And Flooding

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 101 Keystone Ridge Dr is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 65% of the US · lower than 75% of Missouri
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 337 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Brightspeed Fiber	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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