1101 Spring Orchard Dr, O Fallon, MO 63368 Property Records

St. Charles County property record for 1101 Spring Orchard Dr, O Fallon, MO 63368

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,156 sqft · built 2005
Lot Size	0.24 acres (10,454 sqft)
Owner	2 Individual Names on Record
Last Sale	$317,600 (Jul 2020)
Tax Bill	$5,010 (2025)
Deeds & Mortgages	Jul 2020 Mortgage Aug 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`T032500115`

Property Details

APN / Parcel Number

Primary APN	`T032500115`
Alternative APN	`2-0126-8930-00-0101.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,156 sqft Living Area
Gross Area	4,714 sqft
1st Floor Area	2,156 sqft
Basement Area	2,138 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Ranch
Exterior Material	Brick/Stone
Lot Area	10,454 sqft (0.24 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	78 sqft
Deck Area	Deck Area
Patio Area	213 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T032500115
Street Address	1101 SPRING ORCHARD DR
City	O FALLON
State	MO
Zip	63368-7984
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING ORCHARD #1 LOT 101
Legal Subdivision	SPRING ORCHARD #1
Legal Lot Number	101
Jurisdiction	ST CHARLES MO
Township / Civil Division	DARDENNE
Census Block Group	2
Census Block	2006
Census Tract	311739

Owner

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 Record
Mailing Address	1101 SPRING ORCHARD DR, O FALLON, MO 63368-7984
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 15, 2020	Warranty Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO
Aug 17, 2017	Special Warranty Deed, Transfer · Conventional Mortgage BUSEY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 15, 2020 · Amount on Record
Deed Sale	Jul 15, 2020 · Amount on Record
Prior Sale	Aug 17, 2017 · Amount on Record
Deed Document Number	2020491700
Deed Book / Page	7345 / 513
Record Updated	Oct 29, 2026

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jul 15, 2020
Property Address	1101 SPRING ORCHARD DR, O FALLON, MO 63368-7984
Document Number	0000491700
Book / Page	7345 / 513
Map Reference	MB 38 PG 271
Instrument Date	Jul 13, 2020
Instrument	20200715000491700
Transaction Type	Transfer
Record Updated	Oct 4, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7381 LITTLE OAKS DR, 7381, O FALLON, MO 63368-6103

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1101 SPRING ORCHARD DR, O FALLON, MO 63368-7984

Mortgage

Document Number	0000491710
Date	Jul 15, 2020
Instrument	20200715000491710

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

August 2017: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Aug 17, 2017
Property Address	1101 SPRING ORCHARD DR, O FALLON, MO 63368-7984
Document Number	0000519590
Book / Page	6793 / 1092
Map Reference	MB 38 PG 271
Instrument Date	Aug 11, 2017
Instrument	20170817000519590
Transaction Type	Transfer
Record Updated	Oct 4, 2022
Title Company	US TITLE CORPORATION AND O

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	1101 SPRING ORCHARD DR, O FALLON, MO 63368-7984

Mortgage

Document Number	0000519600
Date	Aug 17, 2017
Instrument	20170817000519600

Lender

Name	BUSEY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2032

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		$78,161 (-)	$411,375 (-) Land $60,002 Building $351,373
2025	$5,010.00	$78,161 (+3.11%)	$411,375 (+3.11%) Land $60,002 Building $351,373
2023		$75,804
2022			$398,969 Land $40,002 Building $358,967

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	1 in force

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 99.8% of the US · lower than 99.6% of Missouri
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
i3 Broadband Fiber	8,000 / 8,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Brightspeed, Verizon.

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