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

St. Charles County property record for 106 Keystone Ridge Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,571 sqft · built 2018
Lot Size	0.264 acres (11,500 sqft)
Owner	Individual Name on File
Last Sale	$265,737 (Mar 2019)
Tax Bill	$4,125 (2025)
Deeds & Mortgages	Jul 2020 Mortgage Mar 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`T180200127`

Property Details

APN / Parcel Number

Primary APN	`T180200127`
Alternative APN	`2-0048-C585-00-0080.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,571 sqft Living Area
Basement Area	1,553 sqft

Exterior

Year Built	Built 2018
Exterior Material	Composition/Composite
Lot Area	11,500 sqft (0.264 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	T180200127
Street Address	106 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 80
Legal Range	02E
Legal Township	47N
Legal Subdivision	KEYSTONE RIDGE
Legal Lot Number	80
Jurisdiction	ST CHARLES MO
Township / Civil Division	WENTZVILLE
Census Block Group	3
Census Block	3089
Census Tract	312095

Owner

106 Keystone Ridge Dr is owned and occupied by an individual who bought it in March 2019.

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	106 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.

Deeds, Mortgages & Sale History

Date	Document
Jul 23, 2020	Deed of Trust, Mortgage · VA Mortgage F&B ACQUISTIION GROUP LLC
Mar 1, 2019	Warranty Deed, Transfer · VA Mortgage BUSEY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 1, 2019 · Amount on File
Deed Sale	Mar 1, 2019 · Amount on File
Deed Document Number	0070412354
Deed Book / Page	7041 / 2354
Record Updated	Jun 8, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	106 KEYSTONE RIDGE DR, O FALLON, MO 63366-5092
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TOUCHSTONE TITLE & ABSTRACT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0073522424
Date	Jul 23, 2020
Book Page	7352/2424
Instrument	20200723000519990

Lender

Name	F&B ACQUISTIION GROUP LLC
Type	Non-Lending Institution
Address	SAINT LOUIS, MO 63131

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2050

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Mar 1, 2019
Property Address	106 KEYSTONE RIDGE DR, O FALLON, MO 63366-5092
Document Number	0070412354
Book / Page	7041 / 2354
Map Reference	MB 49 PG 332
Instrument Date	Feb 28, 2019
Instrument	20190301000093140
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	DEPENDABLE TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
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
Address	106 KEYSTONE RIDGE DR, O FALLON, MO 63366-5092

Mortgage

Document Number	20190301000093150
Date	Mar 1, 2019
Instrument	20190301000093150

Lender

Name	BUSEY BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 106 Keystone Ridge Dr was $4,125.

Source: St. Charles County assessment roll, as of July 1, 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	$4,125.00	$66,099	$347,888 Land $50,000 Building $297,888
2023		$62,151
2022			$327,109 Land $50,000 Building $277,109

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 106 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 106 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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