103 River Rock Dr, O Fallon, MO 63366 Property Records

St. Charles County property record for 103 River Rock Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,944 sqft · built 2020
Lot Size	0.476 acres (20,726 sqft)
Owner	Individual Name on Record
Last Sale	$329,260 (Feb 2022)
Tax Bill	$4,459 (2025)
Deeds & Mortgages	Feb 2022 Mortgage Oct 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T190300255`

Property Details

APN / Parcel Number

Primary APN	`T190300255`
Alternative APN	`2-0012-C715-00-0595.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,944 sqft Living Area
Gross Area	3,888 sqft
1st Floor Area	1,944 sqft
Basement Area	1,944 sqft

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Ranch
Exterior Material	Brick
Lot Area	20,726 sqft (0.476 acres)
Parking Spaces	4 Parking Spaces

Location & Zoning

Account Number	T190300255
Street Address	103 RIVER ROCK DR
City	O FALLON
State	MO
Zip	63366-1790
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RIVERDALE VLG E #1 LOT 595
Legal Subdivision	RIVERDALE VLG E #1
Legal Lot Number	595
Jurisdiction	ST CHARLES MO
Township / Civil Division	WENTZVILLE
Census Block Group	2
Census Block	2005
Census Tract	312001

Owner

Source: St. Charles County records, as of September 10, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	103 RIVER ROCK DR, O FALLON, MO 63366-1790
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 4, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage ACCESS CAPITAL FUNDING LLC
Oct 13, 2020	Grant Deed, Subdivision Related Transfer ACCESS CAP FNDG
Jul 31, 2020	Grant Deed, Transfer OTHER

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 4, 2022 · Amount on Record
Deed Sale	Feb 4, 2022 · Amount on Record
Prior Sale	Oct 13, 2020 · Amount on Record
Deed Document Number	20226813
Prior Transfer Date	Jan 28, 2022
Prior Transfer Doc	0000006813
Record Updated	Oct 29, 2026

February 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Feb 4, 2022
Property Address	103 RIVER ROCK DR, O FALLON, MO 63366-1790
Document Number	0000006813
Map Reference	MB 50 PG 162-165
Instrument Date	Jan 28, 2022
Instrument	2022R-006813
Transaction Type	Transfer
Record Updated	Feb 18, 2022
Title Company	TOUCHSTONE TITLE & ABSTRACT

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 RIVER ROCK DR, O FALLON, MO 63366-1790

Mortgage

Document Number	0000006814
Date	Feb 4, 2022
Instrument	2022R-006814

Lender

Name	ACCESS CAPITAL FUNDING LLC
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

October 2020: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	ST CHARLES MO
Recording Date	Oct 13, 2020
Property Address	103 RIVER ROCK DR, O FALLON, MO 63366-1790
Document Number	0000077343
Instrument Date	Sep 29, 2020
Instrument	77343
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 26, 2021
Title Company	ORT TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	103 RIVER ROCK DR ST PAUL MO 633661790, ST PAUL, MO 63366-1790

Mortgage

Document Number	77344
Date	Oct 13, 2020
Instrument	77344

Lender

Name	ACCESS CAP FNDG
Type	Funding / Finance Company
Address	CHESTERFIELD, MO 63017

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 12, 2050

July 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jul 31, 2020
Property Address	103 RIVER ROCK DR, O FALLON, MO 63366-1790
Document Number	0073591087
Book / Page	007359 / 001087
Instrument Date	Jul 24, 2020
Instrument	542690
Transaction Type	Transfer
Record Updated	Sep 10, 2020
Title Company	OTHER

Transaction

Amount	Amount Recorded
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

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

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
2026		$72,685 (-)	$382,551 (-) Land $61,250 Building $321,301
2025	$4,459.00	$72,685 (-7.1%)	$382,551 (-7.1%) Land $61,250 Building $321,301
2023		$78,241
2022			$411,796 Land $48,125 Building $363,671

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 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

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

Wildfire Risk	Low lower than 94% of the US · lower than 91% of Missouri
Wildfire Likelihood	0.02% 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 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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