11 Democracy Cir, O Fallon, MO 63368 Property Records

St. Charles County property record for 11 Democracy Cir, O Fallon, MO 63368

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,154 sqft · built 1989
Lot Size	0.29 acres (12,632 sqft)
Owner	2 Individual Names on Record
Last Sale	$249,210 (Sep 2024)
Tax Bill	$4,759 (2025)
Deeds & Mortgages	Apr 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`A902001118`

Property Details

APN / Parcel Number

Primary APN	`A902001118`
Alternative APN	`2-0129-6537-00-0075.0000000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,154 sqft Living Area
Gross Area	4,044 sqft
1st Floor Area	1,224 sqft
Basement Area	1,188 sqft
Finished Basement	850 sqft
Unfinished Basement	338 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Bi-Level
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,632 sqft (0.29 acres)
Garage Type	Attached
Garage Area	552 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	45 sqft
Deck Area	Deck Area
Patio Area	545 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A902001118
Street Address	11 DEMOCRACY CIR
City	O FALLON
State	MO
Zip	63368-8547
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MONTICELLO VLG C LOT 75
Legal Subdivision	MONTICELLO VLG C
Legal Lot Number	75
Jurisdiction	ST CHARLES MO
Township / Civil Division	WELDON SPRING
Census Block Group	3
Census Block	3000
Census Tract	311151

Owner

Source: St. Charles County records, as of September 10, 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 Record
Mailing Address	11 DEMOCRACY CIR, O FALLON, MO 63368-8547
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 25, 2024 · Amount on Record
Deed Sale	Sep 25, 2024 · Amount on Record
Prior Sale	Apr 2, 2019 · Amount on Record
Deed Document Number	202439306
Prior Transfer Date	Sep 17, 2024
Prior Transfer Doc	0000039306
Record Updated	Oct 29, 2026

April 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CHARLES MO
Recording Date	Apr 2, 2019
Property Address	11 DEMOCRACY CIR, O FALLON, MO 63368-8547
Document Number	0070532342
Book / Page	007053 / 002342
Instrument Date	Mar 26, 2019
Instrument	145540
Transaction Type	Transfer
Record Updated	Apr 22, 2019
Title Company	OTHER

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	11 DEMOCRACY CIR O FALLON MO 633688547, O FALLON, MO 63368-8547

Mortgage

Document Number	70532344
Date	Apr 2, 2019
Book Page	007053/002344
Instrument	145550

Lender

Name	GOLDEN OAK LNDG
Address	SAINT LOUIS, MO 63146

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2049

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		$72,994 (-)	$384,181 (-) Land $72,380 Building $311,801
2025	$4,759.00 (+6.99%)	$72,994 (+7.89%)	$384,181 (+7.89%) Land $72,380 Building $311,801
2024	$4,448.00
2023		$67,657
2022			$356,089 Land $55,000 Building $301,089

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
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 97% of the US · lower than 95% of Missouri
Wildfire Likelihood	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 382 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20