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

St. Charles County property record for 107 River Rock Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,961 sqft · built 2020
Lot Size	0.359 acres (15,638 sqft)
Owner	2 Individual Names on Record
Last Sale	$42,420 (Dec 2021)
Tax Bill	$4,504 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Oct 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`T190300257`

Property Details

APN / Parcel Number

Primary APN	`T190300257`
Alternative APN	`2-0087-C715-00-0597.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,961 sqft Living Area
Gross Area	3,922 sqft
1st Floor Area	1,961 sqft
Basement Area	1,961 sqft

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Ranch
Exterior Material	Brick
Lot Area	15,638 sqft (0.359 acres)
Parking Spaces	4 Parking Spaces

Location & Zoning

Account Number	T190300257
Street Address	107 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 597
Legal Subdivision	RIVERDALE VLG E #1
Legal Lot Number	597
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	2 Individual Names on Record
Mailing Address	107 RIVER ROCK DR, O FALLON, MO 63366-1790
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 16, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage WEST COMMUNITY CU
Oct 8, 2021	Intrafamily Transfer, Transfer · FHA Mortgage HOME POINT FINANCIAL CORPORATION
Nov 16, 2020	Grant Deed, Subdivision Related Transfer · FHA Mortgage CALIBER HM LOANS
Aug 25, 2020	Grant Deed, Transfer OTHER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 16, 2021 · Amount on Record
Deed Sale	Dec 16, 2021 · Amount on Record
Prior Sale	Oct 8, 2021 · Amount on Record
Deed Document Number	2021101343
Prior Transfer Date	Nov 16, 2021
Prior Transfer Doc	0000101343
Record Updated	Oct 29, 2026

December 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Dec 16, 2021
Property Address	107 RIVER ROCK DR, O FALLON, MO 63366-1790
Document Number	0000101343
Map Reference	MB 50 PG 162-165
Instrument Date	Nov 16, 2021
Instrument	2021R-101343
Transaction Type	Transfer
Record Updated	Dec 31, 2021
Title Company	INVESTORS TITLE COMPANY

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	107 RIVER ROCK DR, O FALLON, MO 63366-1790
Investor	Possibly a Property Investor

Mortgage

Document Number	0000101344
Date	Dec 16, 2021
Instrument	2021R-101344

Lender

Name	WEST COMMUNITY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Dec 1, 2031

October 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Oct 8, 2021
Property Address	107 RIVER ROCK DR, O FALLON, MO 63366-1790
Document Number	2021R084206
Map Reference	MB 50 PG 162-165
Instrument Date	Oct 4, 2021
Instrument	2021R-084206
Transaction Type	Transfer
Record Updated	Oct 21, 2021

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	107 RIVER ROCK DR, O FALLON, MO 63366-1790

Mortgage

Document Number	2021R084207
Date	Oct 8, 2021
Instrument	2021R-084207

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

November 2020: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	ST CHARLES MO
Recording Date	Nov 16, 2020
Property Address	107 RIVER ROCK DR, O FALLON, MO 63366-1790
Document Number	0000088645
Instrument Date	Nov 4, 2020
Instrument	88645
Transaction Type	Subdivision Related Transfer
Record Updated	Mar 4, 2021
Title Company	ORT TITLE

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	Joint Tenants with Right of Survivorship
Address	107 RIVER ROCK DR ST PAUL MO 633661790, ST PAUL, MO 63366-1790

Mortgage

Document Number	88646
Date	Nov 16, 2020
Instrument	88646

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 15, 2050

August 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ST CHARLES MO
Recording Date	Aug 25, 2020
Property Address	107 RIVER ROCK DR, O FALLON, MO 63366-1790
Document Number	0073802283
Book / Page	007380 / 002283
Instrument Date	Aug 19, 2020
Instrument	618690
Transaction Type	Transfer
Record Updated	Oct 6, 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		$73,416 (-)	$386,399 (-) Land $61,250 Building $325,149
2025	$4,504.00 (-6.26%)	$73,416 (-3.63%)	$386,399 (-3.63%) Land $61,250 Building $325,149
2024	$4,805.00
2023		$76,184
2022			$400,969 Land $48,125 Building $352,844

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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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