110 Keystone Ridge Dr, O Fallon, MO 63366 Property Records

St. Charles County property record for 110 Keystone Ridge Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,984 sqft · built 2020
Lot Size	0.256 acres (11,169 sqft)
Owner	2 Individual Names on Record
Last Sale	$410,000 (Aug 2023)
Tax Bill	$4,966 (2025)
Deeds & Mortgages	Jul 2026 Transfer Jan 2024 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`T180200125`

Property Details

APN / Parcel Number

Primary APN	`T180200125`
Alternative APN	`2-0048-C585-00-0078.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,984 sqft Living Area
Gross Area	3,968 sqft
1st Floor Area	1,984 sqft
Basement Area	1,984 sqft

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	11,169 sqft (0.256 acres)
Parking Spaces	3 Parking Spaces

Location & Zoning

Account Number	T180200125
Street Address	110 KEYSTONE RIDGE DR
City	O FALLON
State	MO
Zip	63366-5092
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	KEYSTONE RIDGE LOT 78
Legal Subdivision	KEYSTONE RIDGE
Legal Lot Number	78
Jurisdiction	ST CHARLES MO
Township / Civil Division	WENTZVILLE
Census Block Group	3
Census Block	3085
Census Tract	312095

Owner

Source: St. Charles County records, as of September 10, 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	39 WINDING OAKS CIR, O FALLON, MO 63366-1683
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 7, 2026	Transfer on Death Deed, Transfer NONE LISTED ON DOCUMENT
Jan 16, 2024	Deed of Trust, Mortgage · Closed-End Mortgage REGIONS BANK
Nov 8, 2022	Deed of Trust, Mortgage · Line of Credit US BANK NA
Aug 29, 2023	Warranty Deed, Transfer INVESTORS TITLE COMPANY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 29, 2023 · Amount on Record
Deed Sale	Aug 29, 2023 · Amount on Record
Prior Sale	Jul 13, 2020 · Amount on Record
Deed Document Number	202335009
Last Transfer Date	Jul 6, 2026
Transfer Doc	0000031704
Record Updated	Oct 29, 2026

July 2026: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jul 7, 2026
Property Address	110 KEYSTONE RIDGE DR, O FALLON, MO 63366-5092
Document Number	0000031704
Instrument Date	Jul 6, 2026
Instrument	202631704
Transaction Type	Transfer
Record Updated	Aug 31, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	39 WINDING OAKS CIR, O FALLON, MO 63366-1683

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	110 KEYSTONE RIDGE DR, O FALLON, MO 63366-5092
Transaction Type	Mortgage
Record Updated	Jan 29, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	110 KEYSTONE RIDGE DR, O FALLON, MO 63366-5092

Mortgage

Document Number	0000001719
Date	Jan 16, 2024
Instrument	2024R-001719

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 26, 2054

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	110 KEYSTONE RIDGE DR, O FALLON, MO 63366-5092
Transaction Type	Mortgage
Record Updated	Jan 17, 2024
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	110 KEYSTONE RIDGE DR, O FALLON, MO 63366-5092

Mortgage

Document Number	0000060516
Date	Nov 8, 2022
Instrument	2022R-060516

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Nov 15, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Aug 29, 2023
Property Address	110 KEYSTONE RIDGE DR, O FALLON, MO 63366-5092
Document Number	0000035009
Map Reference	MB 49 PG 332
Instrument Date	Aug 25, 2023
Instrument	2023R-035009
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	INVESTORS TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	15451 MILLRUN CT, CHESTERFIELD, MO 63017-5354

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	110 KEYSTONE RIDGE DR, O FALLON, MO 63366-5092

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	Wentzville R-IV School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$79,710 (-)	$419,524 (-) Land $50,000 Building $369,524
2025	$4,966.00	$79,710 (+8.95%)	$419,524 (+8.95%) Land $50,000 Building $369,524
2023		$73,161
2022			$385,057 Land $50,000 Building $335,057

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (2022)
Most Recent Claim	Jul 2022 · Severe Storms And Flooding

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; 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 65% of the US · lower than 75% of Missouri
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 337 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

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