11 Amber Wave Ct, O Fallon, MO 63366 Property Records

St. Charles County property record for 11 Amber Wave Ct, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,376 sqft · built 1995
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on File
Last Sale	$460,000 (Mar 2024)
Tax Bill	$4,540 (2025)
Deeds & Mortgages	Mar 2024 Mortgage Jun 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`A952001216`

Property Details

APN / Parcel Number

Primary APN	`A952001216`
Alternative APN	`2-0067-7184-00-0282.0000000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,376 sqft Living Area
Gross Area	3,931 sqft
1st Floor Area	1,256 sqft
Basement Area	1,218 sqft
Finished Basement	1,083 sqft
Unfinished Basement	135 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,890 sqft (0.25 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	136 sqft
Deck Area	Deck Area
Patio Area	220 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	A952001216
Street Address	11 AMBER WAVE CT
City	O FALLON
State	MO
Zip	63366-8434
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PATRIOTS LANDING #1 LOT 282
Legal Subdivision	PATRIOTS LANDING #1
Legal Lot Number	282
Jurisdiction	ST CHARLES MO
Township / Civil Division	WELDON SPRING
Census Block Group	1
Census Block	1013
Census Tract	311738

Owner

11 Amber Wave Ct is owned and occupied by two individuals who bought it in March 2024.

Source: St. Charles County records, as of October 19, 2026

Owner of Record	2 Individual Names on File
Mailing Address	11 AMBER WAVE CT, O FALLON, MO 63366-8434
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.

Deeds, Mortgages & Sale History

Date	Document
Mar 1, 2024	Warranty Deed, Transfer · Conventional Mortgage US BANK NA
Jun 28, 2023	Warranty Deed, Transfer · Conventional Mortgage FIRST COMMUNITY CU
Dec 7, 2022	Trustee's Deed, Foreclosure

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 1, 2024 · Amount on File
Deed Sale	Mar 1, 2024 · Amount on File
Prior Sale	Mar 1, 2024 · Amount on File
Deed Document Number	20247782
Prior Transfer Date	Nov 15, 2022
Prior Transfer Doc	0000064498
Record Updated	Oct 29, 2026

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Mar 1, 2024
Property Address	11 AMBER WAVE CT, O FALLON, MO 63366-8434
Document Number	0000007782
Map Reference	MB 32 PG 95-99
Instrument Date	Feb 26, 2024
Instrument	2024R-007782
Transaction Type	Transfer
Record Updated	Mar 15, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12 AMBER WAVE CT, O FALLON, MO 63366-8499

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11 AMBER WAVE CT, O FALLON, MO 63366-8434

Mortgage

Document Number	0000007783
Date	Mar 1, 2024
Instrument	2024R-007783

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2054

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jun 28, 2023
Property Address	11 AMBER WAVE CT, O FALLON, MO 63366-8434
Document Number	0000025270
Map Reference	MB 32 PG 95-99
Instrument Date	Jun 15, 2023
Instrument	2023R-025270
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	FREEDOM TITLE

Transaction

Tax	$0.00
Additional	Notice of Trustee Sale 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	1035 BRANDER MILL CT, FENTON, MO 63026-7012

Mortgage

Document Number	0000025271
Date	Jun 28, 2023
Instrument	2023R-025271

Lender

Name	FIRST COMMUNITY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5%
Type Change Date	Jul 1, 2028
Change Frequency	5 Years
Min Rate At Change	3%
Max Rate At Change	7%
Index	5-Year TN
Margin	2
Max Rate	11.1%

December 2022: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	ST CHARLES MO
Recording Date	Dec 7, 2022
Property Address	11 AMBER WAVE CT, O FALLON, MO 63366-8434
Document Number	0000064498
Map Reference	MB 32 PG 95-99
Instrument Date	Nov 15, 2022
Instrument	2022R-064498
Transaction Type	Foreclosure
Record Updated	Jan 17, 2024

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5 FAIRLAWN DR STE 204, 204, WASHINGTONVILLE, NY 10992-1289

Tax Assessment & Valuation

The 2025 property tax bill for 11 Amber Wave Ct was $4,540.

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		$70,764 (-)	$372,440 (-) Land $70,000 Building $302,440
2025	$4,540.00	$70,764	$372,440 Land $70,000 Building $302,440
2023		$59,070 (+10.01%)
2022	$3,817.00	$53,695	$310,894 (+10.01%) Land $50,000 Building $260,894
2021			$282,606

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 11 Amber Wave Ct 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

Wildfire risk around 11 Amber Wave Ct 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 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 725 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Gateway Fiber, Verizon.

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