St. Charles County property record for 11 Cherokee Sunset Ct, O Fallon, MO 63366
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,191 sqft · built 1999 |
| Lot Size | 0.24 acres (10,454 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $160,794 (Sep 1999) |
| Tax Bill | $4,816 (2025) |
| Deeds & Mortgages | Apr 2020 Mortgage Apr 2018 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | A982001682 |
| Primary APN | A982001682 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,191 sqft Living Area |
| Gross Area | 3,928 sqft |
| 1st Floor Area | 1,274 sqft |
| Basement Area | 1,007 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Architectural Style | Bi-Level |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 10,454 sqft (0.24 acres) |
| Garage Type | Attached |
| Garage Area | 730 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 512 sqft |
| Patio Area | 345 sqft |
| Heating Fuel | Gas |
|---|---|
| Sewer | Connected |
| Account Number | A982001682 |
|---|---|
| Street Address | 11 CHEROKEE SUNSET CT |
| City | O FALLON |
| State | MO |
| Zip | 63366-5989 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AE9 |
| Legal Description | INDIAN SPRINGS #1 LOT 103 |
| Legal Subdivision | INDIAN SPRINGS #1 |
| Legal Lot Number | 103 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | WELDON SPRING |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 311737 |
11 Cherokee Sunset Ct is owned and occupied by two individuals who bought it in September 1999.
Source: St. Charles County records, as of August 7, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 11 CHEROKEE SUNSET CT, O FALLON, MO 63366-5989 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 14, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB |
| Apr 5, 2018 | Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB |
| Jun 25, 2018 | Deed of Trust, Mortgage · Line of Credit THIRD FED'L S&L ASSN/CLEVELAND |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 10, 1999 · Amount on File |
| Deed Sale | Sep 10, 1999 · Amount on File |
| Deed Document Number | 199975492 |
| Deed Book / Page | 2304 / 1917 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 11 CHEROKEE SUNSET CT, O FALLON, MO 63366-5989 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0072690412 |
|---|---|
| Date | Apr 14, 2020 |
| Book Page | 7269/412 |
| Instrument | 20200414000228980 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 97 Months |
| Due | May 1, 2028 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 11 CHEROKEE SUNSET CT, O FALLON, MO 63366-5989 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0069010568 |
|---|---|
| Date | Apr 5, 2018 |
| Book Page | 6901/0568 |
| Instrument | 20180405000181710 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 97 Months |
| Due | May 1, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 11 CHEROKEE SUNSET CT, O FALLON, MO 63366-5989 |
| Document Number | 0069451870 |
| Instrument Date | Jun 25, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jul 25, 2018 |
| Title Company | AMERICAN TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 11 CHEROKEE SUNSET CT O FALLON MO 633665989, O FALLON, MO 63366-5989 |
| Document Number | 0069451870 |
|---|---|
| Date | Jul 9, 2018 |
| Book Page | 006945/001870 |
| Instrument | 384640 |
| Name | THIRD FED'L S&L ASSN/CLEVELAND |
|---|---|
| Address | CLEVELAND, OH 44105 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 8, 2048 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 11 Cherokee Sunset Ct was $4,816.
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 | $75,102 (-) | $395,273 (-) Building $395,273 | |
| 2025 | $4,816.00 | $75,102 | $395,273 |
| 2023 | $66,680 | ||
| 2022 | $350,949 Land $55,000 Building $295,949 |
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 11 Cherokee Sunset 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 risk around 11 Cherokee Sunset 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.
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 309 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 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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