1106 River Oak Ct, O Fallon, MO 63366 Property Records

St. Charles County property record for 1106 River Oak Ct, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,748 sqft · built 2017
Lot Size	0.182 acres (7,915 sqft)
Owner	2 Individual Names on Record
Last Sale	$271,000 (Feb 2020)
Tax Bill	$4,051 (2025)
Deeds & Mortgages	Sep 2021 Transfer Jan 2021 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`T170300127`

Property Details

APN / Parcel Number

Primary APN	`T170300127`
Alternative APN	`2-0087-C384-00-0178.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,748 sqft Living Area
Gross Area	3,936 sqft
1st Floor Area	1,748 sqft
Basement Area	1,748 sqft

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	7,915 sqft (0.182 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Account Number	T170300127
Street Address	1106 RIVER OAK CT
City	O FALLON
State	MO
Zip	63366-1546
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RIVERDALE VLG A #3 LOT 178
Legal Subdivision	RIVERDALE VLG A #3
Legal Lot Number	178
Jurisdiction	ST CHARLES MO
Township / Civil Division	WENTZVILLE
Census Block Group	2
Census Block	2005
Census Tract	312001

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	1106 RIVER OAK CT, O FALLON, MO 63366-1546
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 27, 2021	Intrafamily Transfer, Transfer INVESTORS TITLE COMPANY
Jan 12, 2021	Deed of Trust, Mortgage · VA Mortgage INTEGRITY BK
Sep 27, 2021	Intrafamily Transfer, Transfer INVESTORS TITLE COMPANY
Feb 20, 2020	Warranty Deed, Transfer · VA Mortgage INTEGRITY MTG/MO
Nov 22, 2017	Warranty Deed, Subdivision Related Transfer · VA Mortgage GERSHMAN INVESTMENT CORP
Sep 18, 2017	Grant Deed, Transfer ARCHWAY TITLE AGENCY, ARCHWAY TITLE AGCY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 20, 2020 · Amount on Record
Deed Sale	Feb 20, 2020 · Amount on Record
Prior Sale	Nov 22, 2017 · Amount on Record
Deed Document Number	2020106020
Deed Book / Page	7234 / 1244
Prior Transfer Date	Feb 13, 2020
Prior Transfer Doc	2021R080517
Record Updated	Oct 29, 2026

September 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Sep 27, 2021
Property Address	1106 RIVER OAK CT, O FALLON, MO 63366-1546
Document Number	2021R080516
Map Reference	MB 48 PG 394
Instrument Date	Feb 11, 2021
Instrument	2021R-080516
Transaction Type	Transfer
Record Updated	Oct 7, 2021
Title Company	INVESTORS TITLE COMPANY

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1106 RIVER OAK CT, SAINT PAUL, MO 63366-1546

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1106 RIVER OAK CT, O FALLON, MO 63366-1546
Document Number	0000007181
Instrument Date	Jan 12, 2021
Transaction Type	Mortgage
Record Updated	Apr 2, 2021
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1106 RIVER OAK CT ST PAUL MO 633661546, ST PAUL, MO 63366-1546

Mortgage

Document Number	0000007181
Date	Jan 25, 2021
Instrument	7181

Lender

Name	INTEGRITY BK
Type	Bank
Address	ST CHARLES, MO 63301

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 24, 2051

September 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Sep 27, 2021
Property Address	1106 RIVER OAK CT, O FALLON, MO 63366-1546
Document Number	2021R080517
Map Reference	MB 48 PG 394
Instrument Date	Feb 13, 2020
Instrument	2021R-080517
Transaction Type	Transfer
Record Updated	Oct 7, 2021
Title Company	INVESTORS TITLE COMPANY

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1106 RIVER OAK CT, SAINT PAUL, MO 63366-1546

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Feb 20, 2020
Property Address	1106 RIVER OAK CT, O FALLON, MO 63366-1546
Document Number	0072341244
Book / Page	007234 / 001244
Instrument Date	Feb 12, 2020
Instrument	106020
Transaction Type	Transfer
Record Updated	Mar 17, 2020
Title Company	FREEDOM TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1106 RIVER OAK CT O FALLON MO 633661546, O FALLON, MO 63366-1546

Mortgage

Document Number	72341246
Date	Feb 20, 2020
Book Page	007234/001246
Instrument	106030

Lender

Name	INTEGRITY MTG/MO
Type	Mortgage Company
Address	SAINT CHARLES, MO 63301

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 19, 2050

November 2017: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Nov 22, 2017
Property Address	1106 RIVER OAK CT, O FALLON, MO 63366-1546
Document Number	0068422415
Book / Page	6842 / 2415
Map Reference	MB 48 PG 394
Instrument Date	Nov 22, 2017
Instrument	20171122000728510
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 9, 2021

Transaction

Amount	Amount Recorded
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
Address	10407 BAUR BLVD, 10407, SAINT LOUIS, MO 63132-1904

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1106 RIVER OAK CT, O FALLON, MO 63366-1546

Mortgage

Document Number	20171122000728520
Date	Nov 22, 2017
Instrument	20171122000728520

Lender

Name	GERSHMAN INVESTMENT CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2047

September 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ST CHARLES MO
Recording Date	Sep 18, 2017
Property Address	1106 RIVER OAK CT, O FALLON, MO 63366-1546
Document Number	0068081281
Book / Page	006808 / 001281
Instrument Date	Sep 12, 2017
Instrument	583960
Transaction Type	Transfer
Record Updated	Sep 25, 2017
Title Company	ARCHWAY TITLE AGENCY, ARCHWAY TITLE AGCY

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	10407 BAUR BLVD #B ST LOUIS MO 631321904, B, ST LOUIS, MO 63132-1904

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	St. Paul 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		$66,000 (-)	$347,367 (-) Land $70,000 Building $277,367
2025	$4,051.00 (-2.1%)	$66,000 (+0.69%)	$347,367 (+0.69%) Land $70,000 Building $277,367
2024	$4,138.00
2023		$65,547
2022			$344,982 Land $55,000 Building $289,982

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	25 (1982–2015)
Claims Outside the SFHA	1 of 25
Most Recent Claim	Jun 2015 · river or lake flooding
Claims by Event	Severe Storms, Tornadoes, Flooding, Apr 1994 · 3 claims Severe Storms & Flooding, Sep 1993 · 8 claims

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 80% of the US · lower than 84% of Missouri
Wildfire Likelihood	0.02% 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 PAUL PWS serves 1,700 people · EPA ID MO6011535
Water Source	Groundwater
Last State Inspection	Aug 2024
Lead	Under 1 ppb (2022–2024) 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 203 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Brightspeed, Verizon.

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