St. Charles County property record for 104 Keystone Ridge Dr, O Fallon, MO 63366
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,984 sqft · built 2020 |
| Lot Size | 0.265 acres (11,556 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $4,997 (2025) |
| Deeds & Mortgages | Mar 2023 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | T180200128 |
| Primary APN | T180200128 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,984 sqft Living Area |
| Gross Area | 3,968 sqft |
| 1st Floor Area | 1,984 sqft |
| Basement Area | 1,984 sqft |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Lot Area | 11,556 sqft (0.265 acres) |
| Parking Spaces | 3 Parking Spaces |
| Sewer | Connected |
|---|
| Account Number | T180200128 |
|---|---|
| Street Address | 104 KEYSTONE RIDGE DR |
| City | O FALLON |
| State | MO |
| Zip | 63366-5092 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | KEYSTONE RIDGE LOT 81 |
| Legal Subdivision | KEYSTONE RIDGE |
| Legal Lot Number | 81 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | WENTZVILLE |
| Census Block Group | 3 |
| Census Block | 3089 |
| Census Tract | 312095 |
104 Keystone Ridge Dr is owned and occupied by an individual.
Source: St. Charles County records, as of August 7, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 104 KEYSTONE RIDGE DR, O FALLON, MO 63366-5092 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 104 KEYSTONE RIDGE DR, O FALLON, MO 63366-5092 |
| Transaction Type | Mortgage |
| Record Updated | Apr 25, 2023 |
| Name | Verified Name |
|---|---|
| Address | 104 KEYSTONE RIDGE DR, O FALLON, MO 63366-5092 |
| Document Number | 0000011164 |
|---|---|
| Date | Mar 27, 2023 |
| Instrument | 2023R-011164 |
| Name | PEOPLES BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | TROY, MO 63379 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 104 Keystone Ridge Dr was $4,997.
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 | $80,220 (-) | $422,210 (-) Land $50,000 Building $372,210 | |
| 2025 | $4,997.00 | $80,220 | $422,210 Land $50,000 Building $372,210 |
| 2023 | $67,466 | ||
| 2022 | $355,084 Land $50,000 Building $305,084 |
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 104 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 risk around 104 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.
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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