St. Charles County property record for 109 Preston Cir, O Fallon, MO 63368
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 3,146 sqft · built 2004 |
| Lot Size | 0.19 acres (8,276 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $234,900 (May 2012) |
| Tax Bill | $4,913 (2025) |
| Deeds & Mortgages | Dec 2021 Line of Credit Jun 2017 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | T041700090 |
| Primary APN | T041700090 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 3,146 sqft Living Area |
| Gross Area | 4,914 sqft |
| 1st Floor Area | 1,798 sqft |
| Basement Area | 1,348 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Architectural Style | Bi-Level |
| Exterior Material | Brick/Stone |
| Lot Area | 8,276 sqft (0.19 acres) |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 40 sqft |
| Heating Fuel | Gas |
|---|---|
| Sewer | Connected |
| Account Number | T041700090 |
|---|---|
| Street Address | 109 PRESTON CIR |
| City | O FALLON |
| State | MO |
| Zip | 63368-7090 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WELLINGTON PK LOT 4 |
| Legal Subdivision | WELLINGTON PK |
| Legal Lot Number | 4 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | BOONE |
| Census Block Group | 3 |
| Census Block | 3012 |
| Census Tract | 311153 |
109 Preston Cir is owned and occupied by two individuals who bought it in May 2012.
Source: St. Charles County records, as of August 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 109 PRESTON CIR, O FALLON, MO 63368-7090 |
| 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.
| Date | Document |
|---|---|
| Dec 20, 2021 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA |
| Jun 27, 2017 | Deed of Trust, Mortgage · Conventional Mortgage FIRST BANK |
| Jun 8, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FLAT BRANCH HOME LOANS INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 3, 2012 · Amount on File |
| Deed Sale | May 3, 2012 · Amount on File |
| Prior Sale | Jun 27, 2011 · Amount on File |
| Deed Document Number | 2012330480 |
| Deed Book / Page | 5773 / 501 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 109 PRESTON CIR, O FALLON, MO 63368-7090 |
| Transaction Type | Mortgage |
| Record Updated | Jan 4, 2022 |
| Title Company | WFG LENDER SERVICES |
| Name | Verified Name |
|---|---|
| Address | 109 PRESTON CIR, O FALLON, MO 63368-7090 |
| Document Number | 0000102105 |
|---|---|
| Date | Dec 20, 2021 |
| Instrument | 2021R-102105 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 358 Months |
| Due | Oct 30, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 109 PRESTON CIR, O FALLON, MO 63368-7090 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | ST LOUIS TITLE LLC |
| Name | Verified Name |
|---|
| Document Number | 0067650685 |
|---|---|
| Date | Jun 27, 2017 |
| Book Page | 6765/0685 |
| Instrument | 20170627000391320 |
| Name | FIRST BANK |
|---|---|
| Type | Bank |
| Address | SAINT LOUIS, MO 63141 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 109 PRESTON CIR, O FALLON, MO 63368-7090 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0073140574 |
|---|---|
| Date | Jun 8, 2020 |
| Book Page | 7314/574 |
| Instrument | 20200608000379330 |
| Name | FLAT BRANCH HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | COLUMBIA, MO 65201 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2050 |
The 2025 property tax bill for 109 Preston Cir was $4,913.
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | O'Fallon City |
| Unified School District | Fort Zumwalt R-II School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $78,860 (-) | $415,054 (-) Land $75,000 Building $340,054 | |
| 2025 | $4,913.00 | $78,860 | $415,054 Land $75,000 Building $340,054 |
| 2023 | $78,665 | ||
| 2022 | $414,029 Land $50,000 Building $364,029 |
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.
FEMA maps place 109 Preston Cir in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective August 25, 2024
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 109 Preston Cir is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 96% of Missouri |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 435 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 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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