1108 River Oak Ct, O Fallon, MO 63366 Property Records

St. Charles County property record for 1108 River Oak Ct, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,748 sqft · built 2018
Lot Size	0.182 acres (7,928 sqft)
Owner	Individual Name on Record
Last Sale	$263,858 (Jun 2018)
Tax Bill	$4,315 (2025)
Deeds & Mortgages	Feb 2023 Mortgage Jul 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`T170300126`

Property Details

APN / Parcel Number

Primary APN	`T170300126`
Alternative APN	`2-0087-C384-00-0177.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,748 sqft Living Area
Basement Area	1,748 sqft
Finished Basement	1,200 sqft

Exterior

Year Built	Built 2018
Architectural Style	Ranch
Exterior Material	Composition/Composite
Lot Area	7,928 sqft (0.182 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Location & Zoning

Account Number	T170300126
Street Address	1108 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 177
Legal Range	02E
Legal Township	48N
Legal Subdivision	RIVERDALE VLG A #3
Legal Lot Number	177
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 March 16, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	1108 RIVER OAK CT, O FALLON, MO 63366-1546
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 8, 2023	Deed of Trust, Mortgage · Conventional Mortgage CENTRAL TRUST BANK
Jul 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Jun 20, 2018	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage PARAMOUNT BOND & MORTGAGE CO INC
Mar 23, 2018	Warranty Deed, Transfer ARCHWAY TITLE AGENCY, ARCHWAY TITLE AGCY
Mar 21, 2018	Loan Modification, Mortgage ARCHWAY TITLE AGENCY, ARCHWAY TITLE AGCY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 20, 2018 · Amount on Record
Deed Sale	Jun 20, 2018 · Amount on Record
Deed Document Number	0069361838
Deed Book / Page	6936 / 1838
Record Updated	Jun 8, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1108 RIVER OAK CT, O FALLON, MO 63366-1546
Transaction Type	Mortgage
Record Updated	Feb 23, 2023
Title Company	CTC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1108 RIVER OAK CT, O FALLON, MO 63366-1546

Mortgage

Document Number	0000004804
Date	Feb 8, 2023
Instrument	2023R-004804

Lender

Name	CENTRAL TRUST BANK
Type	Bank
Address	JEFFERSON CITY, MO 65101

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Feb 15, 2043

Interest

Rate Type	Adjustable Rate
Rate	7.5%
Type Change Date	Feb 15, 2028
Change Frequency	Annually
Min Rate At Change	5.5%
Max Rate At Change	9.5%
Index	1-Year T-Bill
Max Rate	12.5%

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1108 RIVER OAK CT, O FALLON, MO 63366-1546
Transaction Type	Mortgage
Record Updated	Aug 13, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1108 RIVER OAK CT, O FALLON, MO 63366-1546

Mortgage

Document Number	2021R063888
Date	Jul 30, 2021
Instrument	2021R-063888

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jun 1, 2051

June 2018: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jun 20, 2018
Property Address	1108 RIVER OAK CT, O FALLON, MO 63366-1546
Document Number	0069361838
Book / Page	6936 / 1838
Map Reference	MB 48 PG 394
Instrument Date	Jun 20, 2018
Instrument	20180620000344870
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 9, 2021
Title Company	ARCH CITY TITLE

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
Address	10407 BAUR BLVDB, 10407, SAINT LOUIS, MO 63132

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1108 RIVER OAK CT, SAINT PAUL, MO 63366-1546

Mortgage

Document Number	20180620000344880
Date	Jun 20, 2018
Instrument	20180620000344880

Lender

Name	PARAMOUNT BOND & MORTGAGE CO INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2048

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Mar 23, 2018
Property Address	1108 RIVER OAK CT, O FALLON, MO 63366-1546
Document Number	0068951562
Book / Page	006895 / 001562
Instrument Date	Mar 21, 2018
Instrument	156380
Transaction Type	Transfer
Record Updated	Mar 27, 2018
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

March 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST CHARLES MO
Property Address	1108 RIVER OAK CT, O FALLON, MO 63366-1546
Document Number	0068951564
Instrument Date	Mar 21, 2018
Transaction Type	Mortgage
Record Updated	Jan 12, 2019
Title Company	ARCHWAY TITLE AGENCY, ARCHWAY TITLE AGCY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

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

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of July 1, 2025

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
2025	$4,315.00	$70,327 (+1.75%)	$370,142 (+1.75%) Land $70,000 Building $300,142
2023		$69,118
2022			$363,777 Land $55,000 Building $308,777

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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