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

St. Charles County property record for 108 River Rock Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,978 sqft · built 2019
Lot Size	0.433 acres (18,866 sqft)
Owner	Company Name on File
Last Sale	$292,500 (Aug 2019)
Tax Bill	$4,707 (2024)
Deeds & Mortgages	Feb 2022 Transfer Dec 2019 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T190300282`

Property Details

APN / Parcel Number

Primary APN	`T190300282`
Alternative APN	`2-0087-C715-00-0643.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,978 sqft Living Area
Gross Area	3,922 sqft
1st Floor Area	1,978 sqft
Basement Area	1,944 sqft

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	Ranch
Exterior Material	Brick
Lot Area	18,866 sqft (0.433 acres)
Parking Spaces	4 Parking Spaces

Location & Zoning

Account Number	T190300282
Street Address	108 RIVER ROCK DR
City	O FALLON
State	MO
Zip	63366-1794
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RIVERDALE VLG E #1 LOT 643
Legal Subdivision	RIVERDALE VLG E #1
Legal Lot Number	643
Jurisdiction	ST CHARLES MO
Township / Civil Division	WENTZVILLE
Census Block Group	2
Census Block	2005
Census Tract	312001

Owner

108 River Rock Dr is owned by a company that acquired it in January 2022.

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

Owner of Record	Company Name on File
Mailing Address	108 RIVER ROCK DR, O FALLON, MO 63366-1794
Owner Type	Company
Vesting	Borrower in Default

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
Feb 15, 2022	Intrafamily Transfer, Transfer
Dec 9, 2019	Quit Claim Deed, Transfer NOT AVAILABLE
Aug 22, 2019	Grant Deed, Subdivision Related Transfer BANK OF OLD MONROE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 22, 2019 · Amount on File
Deed Sale	Aug 22, 2019 · Amount on File
Deed Document Number	2019446650
Deed Book / Page	7128 / 395
Last Transfer Date	Jan 12, 2022
Transfer Doc	0000009306
Record Updated	Jun 8, 2026

February 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Feb 15, 2022
Property Address	108 RIVER ROCK DR, O FALLON, MO 63366-1794
Document Number	0000009306
Map Reference	MB 50 PG 162-165
Instrument Date	Jan 12, 2022
Instrument	2022R-009306
Transaction Type	Transfer
Record Updated	Mar 1, 2022

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
Relationship	Family Trust
Address	108 RIVER ROCK DR, O FALLON, MO 63366-1794

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CHARLES MO
Recording Date	Dec 9, 2019
Property Address	108 RIVER ROCK DR, O FALLON, MO 63366-1794
Document Number	0071951142
Book / Page	007195 / 001142
Instrument Date	Dec 6, 2019
Instrument	704660
Transaction Type	Transfer
Record Updated	Dec 30, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	108 RIVER ROCK DR ST PAUL MO 633661794, ST PAUL, MO 63366-1794

August 2019: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	ST CHARLES MO
Recording Date	Aug 22, 2019
Property Address	108 RIVER ROCK DR, O FALLON, MO 63366-1794
Document Number	0071280395
Book / Page	007128 / 000395
Instrument Date	Aug 20, 2019
Instrument	446650
Transaction Type	Subdivision Related Transfer
Record Updated	Sep 20, 2019
Title Company	OTHER

Transaction

Amount	Amount on Record
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	108 RIVER ROCK DR ST PAUL MO 633661794, ST PAUL, MO 63366-1794

Mortgage

Document Number	71280397
Date	Aug 22, 2019
Book Page	007128/000397
Instrument	446660

Lender

Name	BANK OF OLD MONROE
Type	Bank
Address	OLD MONROE, MO 63369

Agreement

Amount	Amount on Record
Term	360 Months
Due	Aug 21, 2049

Tax Assessment & Valuation

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

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
2025		$74,773	$393,544 Land $70,000 Building $323,544
2024	$4,707.00
2023		$74,613
2022			$392,701 Land $55,000 Building $337,701

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 108 River Rock Dr in Zone X, an area of minimal flood risk, though there have been 25 flood claims nearby since 1982.

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

Wildfire risk around 108 River Rock Dr is low, with a 0.02% annual chance of 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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