1092 Turtle Creek Dr, O Fallon, MO 63366 Property Records

St. Charles County property record for 1092 Turtle Creek Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 4,242 sqft · built 1999
Lot Size	0.24 acres (10,454 sqft)
Owner	2 Individual Names on Record
Last Sale	$367,300 (Oct 2006)
Tax Bill	$5,912 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Feb 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`A972000800`

Property Details

APN / Parcel Number

Primary APN	`A972000800`
Alternative APN	`2-0060-7556-00-0086.0000000`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	4,242 sqft Living Area
Gross Area	5,136 sqft
1st Floor Area	1,866 sqft
Basement Area	1,320 sqft
Finished Basement	1,056 sqft
Unfinished Basement	264 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Bi-Level
Exterior Material	Brick/Stone
Lot Area	10,454 sqft (0.24 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	630 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	70 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	A972000800
Street Address	1092 TURTLE CREEK DR
City	O FALLON
State	MO
Zip	63366-5918
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AE9
Legal Description	TURTLE CREEK #3 LOT 86
Legal Subdivision	TURTLE CREEK #3
Legal Lot Number	86
Jurisdiction	ST CHARLES MO
Township / Civil Division	LAKE ST. LOUIS
Census Block Group	3
Census Block	3012
Census Tract	311712

Owner

Source: St. Charles County records, as of August 7, 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	1092 TURTLE CREEK DR, O FALLON, MO 63366-5918
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 11, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Feb 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 24, 2006 · Amount on Record
Deed Sale	Oct 24, 2006 · Amount on Record
Prior Sale	Oct 24, 2006 · Amount on Record
Deed Document Number	2006914990
Deed Book / Page	4607 / 2257
Prior Transfer Date	Jun 3, 2005
Prior Transfer Doc	0000500930
Record Updated	Sep 20, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1092 TURTLE CREEK DR, O FALLON, MO 63366-5918
Transaction Type	Mortgage
Record Updated	Aug 16, 2023
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1092 TURTLE CREEK DR, O FALLON, MO 63366-5918

Mortgage

Document Number	0000014496
Date	Mar 11, 2022
Instrument	2022R-014496

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2037

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1092 TURTLE CREEK DR, O FALLON, MO 63366-5918
Transaction Type	Mortgage
Record Updated	Aug 16, 2023
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1092 TURTLE CREEK DR, O FALLON, MO 63366-5918

Mortgage

Document Number	0000013911
Date	Feb 17, 2021
Instrument	2021R-013911

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Mar 1, 2036

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	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
2026		$92,346 (-)	$486,032 (-) Land $61,540 Building $424,492
2025	$5,912.00 (+26.68%)	$92,346 (+11.11%)	$486,032 (+11.11%) Land $61,540 Building $424,492
2023		$83,114 (+26.36%)
2022	$4,667.00	$65,776	$437,440 (+26.36%) Land $50,000 Building $387,440
2021			$346,192 Land $40,000 Building $306,192

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

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

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.2% of Missouri
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 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

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 338 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Brightspeed Fiber	940 / 940
Wisper ISP Fixed Wireless	400 / 30
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Gateway Fiber.

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