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  4. O Fallon
  5. Cobble Rd

109 Cobble Rd, O Fallon, MO 63366 Property Records

St. Charles County property record for 109 Cobble Rd, O Fallon, MO 63366 · Last verified April 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms4 Beds
Bathrooms2.5 Baths
Year BuiltBuilt 2018
Square Footage2,560 sqft Living Area
Lot Size6,734 sqft (0.155 acres)
OccupancyOwner Occupied
Last Sale$331,500 (2020)
Tax Bill$4,740.00 (2024)

Property Details

APN / Parcel Number

Primary APNT180300170
Alternative APN
  • 2-0042-C578-00-005C.0000000

Interior

Bedrooms4 Beds
Full Baths2.5 Baths
Partial Baths1 Partial Baths
Total Rooms8 Rooms
Building Area2,560 sqft Living Area
Gross Area4,192 sqft Gross Area
1st Floor1,328 sqft 1st Floor
Basement Area1,232 sqft Basement
Stories2 Stories

Exterior

Year BuiltBuilt 2018
Effective Year BuiltEffective 2018
Architectural StyleBi-Level Style
Exterior MaterialBrick/Stone (Brick and/or Stone) Exterior
Lot Area6,734 sqft (0.155 acres)
Parking Spaces2 Parking Spaces
Garage TypeAttached Garage
Garage Area400 sqft Garage

Utilities and HVAC

SewageSewage Connected
Water SourceYes (Unknown Type) Water Source

Location & Zoning

Account NumberT180300170
Street Address109 COBBLE RD
CityO FALLON
StateMO
Zip63366-4107
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionCOBBLESTONE CROSSING #1 LOT 5C
Legal SubdivisionCOBBLESTONE CROSSING #1
Legal Lot Number5C
JurisdictionST CHARLES MO
Minor Civil DivisionWENTZVILLE
Census Blockgroup2
Census Block2010
Census Tract311801

Owner

Source: St. Charles County records · APN T180300170

Assessment roll updated August 13, 2025 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Mailing Address109 COBBLE RD, O FALLON, MO 63366-4107
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Sep 08, 2021Intrafamily Transfer, Transfer
Oct 01, 2020Deed of Trust, Mortgage
BELL BK
Jan 31, 2020Warranty Deed, Transfer
BUSEY BK
Jun 18, 2018Grant Deed, Subdivision Related Transfer
FLAT BR MTG

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleJan 31, 2020 · Amount on Record
Deed SaleJan 31, 2020 · Amount on Record
Prior SaleJun 18, 2018 · Amount on Record
Deed Doc Number202065870
Deed Book / Page7224 / 1726
Last Transfer DateJul 27, 2021
Transfer Doc2021R074862
Record RefreshedJun 08, 2026

September 2021: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionST CHARLES MO
Recording DateSep 08, 2021
Property Address109 COBBLE RD, O FALLON, MO 63366-4107
Document Number2021R074862
Map ReferenceMB 49 PG 37
Instrument DateJul 27, 2021
Instrument2021R-074862
Transaction TypeTransfer
Record UpdatedOct 28, 2021

Transaction

Tax$0.00
Additional
  • Interfamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address109 COBBLE RD, O FALLON, MO 63366-4107

October 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST CHARLES MO
Property Address109 COBBLE RD, O FALLON, MO 63366-4107
Document Number0000075582
Instrument DateOct 01, 2020
Transaction TypeMortgage
Record UpdatedDec 30, 2020
Title CompanyTITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address109 COBBLE RD O FALLON MO 633664107, O FALLON, MO 63366-4107

Mortgage

Document Number0000075582
DateOct 07, 2020
Instrument75582
Lender
NameBELL BK
AddressFARGO, ND 58103
Agreement
AmountAmount Recorded
Term180 Months
DueOct 06, 2035

January 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionST CHARLES MO
Recording DateJan 31, 2020
Property Address109 COBBLE RD, O FALLON, MO 63366-4107
Document Number0072241726
Book / Page007224 / 001726
Instrument DateJan 28, 2020
Instrument65870
Transaction TypeTransfer
Record UpdatedMar 06, 2020
Title CompanyOTHER

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address109 COBBLE RD O FALLON MO 633664107, O FALLON, MO 63366-4107

Mortgage

Document Number72241728
DateJan 31, 2020
Book Page007224/001728
Instrument65880
Lender
NameBUSEY BK
TypeBank
AddressCHAMPAIGN, IL 61820
Agreement
AmountAmount Recorded
Term360 Months
DueJan 30, 2050
Interest
Rate TypeAdjustable Rate
Rate4.25%

June 2018: Grant Deed, Subdivision Related Transfer

Document TypeGrant Deed
JurisdictionST CHARLES MO
Recording DateJun 18, 2018
Property Address109 COBBLE RD, O FALLON, MO 63366-4107
Document Number0069351028
Book / Page006935 / 001028
Instrument DateJun 15, 2018
Instrument339890
Transaction TypeSubdivision Related Transfer
Record UpdatedAug 10, 2019
Title CompanyTITLE PARTNERS AGENCY LLC, TITLE PTRS AGCY LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address109 COBBLE RD O FALLON MO 633664107, O FALLON, MO 63366-4107

Mortgage

Document Number69351030
DateJun 18, 2018
Book Page006935/001030
Instrument339900
Lender
NameFLAT BR MTG
TypeMortgage Company
AddressCOLUMBIA, MO 65201
Agreement
AmountAmount Recorded
Term360 Months
DueJun 17, 2048

Tax Assessment & Valuation

Source: St. Charles County records · Assessment roll updated August 13, 2025 · Last verified April 2026

Property Jurisdictions

TypeName
StateMissouri
CountySt. Charles County
MunicipalityO'Fallon City
Unified School DistrictFort Zumwalt R-II School District (PK - 12)

Tax Bill & Assessment History

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.

YearTax BillAssessed ValueAssessed Market Value
2025$4,741.00 (+0.02%)$73,925 (+2.96%)$389,080 (+2.96%) Land $60,000 Building $329,080
2024$4,740.00
2023$71,797
2022$377,881 Land $50,000 Building $327,881

Flood & Wildfire

109 Cobble Rd is in FEMA Zone X, outside the Special Flood Hazard Area, with direct wildfire exposure (Low risk).

Flood

Source: FEMA National Flood Hazard Layer · St. Charles County (29183C), updated August 25, 2024

FEMA Flood ZoneZone X
minimal flood hazard · outside the 0.2% annual chance floodplain
Special Flood Hazard AreaNo

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020

Wildfire Risk to HomesLow
7th percentile of exposed land nationally · 10th in Missouri
Wildfire LikelihoodLow — about 1 in 3,571 per year
ExposureDirect
burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

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