105 Derbyshire Ln, O Fallon, MO 63368 Property Records

St. Charles County property record for 105 Derbyshire Ln, O Fallon, MO 63368

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,453 sqft · built 2001
Lot Size	0.27 acres (11,761 sqft)
Owner	2 Individual Names on Record
Last Sale	$366,600 (May 2020)
Tax Bill	$6,366 (2025)
Deeds & Mortgages	Dec 2017 Second Mortgage May 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`T011800456`

Property Details

APN / Parcel Number

Primary APN	`T011800456`
Alternative APN	`4-0033-8605-00-013A.0000000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,453 sqft Living Area
Gross Area	6,168 sqft
1st Floor Area	2,068 sqft
Basement Area	2,002 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Lot Area	11,761 sqft (0.27 acres)
Garage Type	Attached
Garage Area	713 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	180 sqft
Deck Area	Deck Area
Patio Area	234 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T011800456
Street Address	105 DERBYSHIRE LN
City	O FALLON
State	MO
Zip	63368-8358
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VLGS AT BAINBRIDGE ABBINGTON VLG LOT 13A
Legal Subdivision	VLGS AT BAINBRIDGE ABBINGTON VLG
Legal Lot Number	13A
Jurisdiction	ST CHARLES MO
Township / Civil Division	LAKE ST. LOUIS
Census Block Group	3
Census Block	3001
Census Tract	311904

Owner

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

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	105 DERBYSHIRE LN, DARDENNE PRAIRIE, MO 63368-8358
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 26, 2017	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK
May 11, 2020	Warranty Deed, Transfer DAS ACQUISITION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 11, 2020 · Amount on Record
Deed Sale	May 11, 2020 · Amount on Record
Prior Sale	Feb 13, 2009 · Amount on Record
Deed Document Number	2020299070
Deed Book / Page	7291 / 174
Prior Transfer Date	Jan 12, 2009
Prior Transfer Doc	0051160404
Record Updated	Jun 8, 2026

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	105 DERBYSHIRE LN, DARDENNE PRAIRIE, MO 63368-8358
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	LENDER LIVE SETTLEMENT SERVI

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0068570435
Date	Dec 26, 2017
Book Page	6857/0435
Instrument	20171226000789200

Lender

Name	DISCOVER BANK
Type	Bank
Address	NEW CASTLE, DE 19720

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Dec 8, 2032

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	May 11, 2020
Property Address	105 DERBYSHIRE LN, DARDENNE PRAIRIE, MO 63368-8358
Document Number	0072910174
Book / Page	007291 / 000174
Instrument Date	May 5, 2020
Instrument	299070
Transaction Type	Transfer
Record Updated	Jul 22, 2020
Title Company	INVESTORS TITLE COMPANY, INVESTORS TITLE CO.

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
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	105 DERBYSHIRE LN O FALLON MO 633688358, O FALLON, MO 63368-8358

Mortgage

Document Number	72910176
Date	May 11, 2020
Book Page	007291/000176
Instrument	299080

Lender

Name	DAS ACQUISITION
Address	SAINT LOUIS, MO 63141

Agreement

Amount	Amount Recorded
Term	360 Months
Due	May 10, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Missouri
Municipality	Dardenne Prairie City
County	St. Charles County
Unified School District	Wentzville R-IV School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,366.00 (+3.36%)	$101,894 (+6.29%)	$536,286 (+6.29%) Land $100,000 Building $436,286
2024	$6,159.00
2023		$95,867
2022			$504,562 Land $70,000 Building $434,562

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
Nearby Flood Policies	2 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 99.8% of the US · lower than 99.6% of Missouri
Wildfire Likelihood	Under 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 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 233 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
i3 Broadband Fiber	8,000 / 8,000
Gateway Fiber Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30

May also be available: AT&T, Brightspeed, T-Mobile, Verizon.

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