111 River Rock Dr, O Fallon, MO 63366 Property Records

St. Charles County property record for 111 River Rock Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,040 sqft · built 2019
Lot Size	0.292 acres (12,763 sqft)
Owner	Individual Name on File
Last Sale	$431,179 (Nov 2019)
Tax Bill	$4,774 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Nov 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T190300259`

Property Details

APN / Parcel Number

Primary APN	`T190300259`
Alternative APN	`2-0087-C715-00-0599.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,040 sqft Living Area
Basement Area	2,004 sqft

Exterior

Year Built	Built 2019
Exterior Material	Brick
Lot Area	12,763 sqft (0.292 acres)
Garage Type	Attached
Parking Spaces	4 Parking Spaces

Location & Zoning

Account Number	T190300259
Street Address	111 RIVER ROCK DR
City	O FALLON
State	MO
Zip	63366-1790
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RIVERDALE VLG E #1 LOT 599
Legal Range	02E
Legal Township	48N
Legal Subdivision	RIVERDALE VLG E #1
Legal Lot Number	599
Jurisdiction	ST CHARLES MO
Township / Civil Division	WENTZVILLE
Census Block Group	2
Census Block	2005
Census Tract	312001

Owner

111 River Rock Dr is owned and occupied by an individual who bought it in November 2019.

Source: St. Charles County records, as of March 16, 2026

Owner of Record	Individual Name on File
Mailing Address	111 RIVER ROCK DR, O FALLON, MO 63366-1790
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage WINGS FINANCIAL CU
Nov 14, 2019	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage WINGS FINANCIAL CU
Aug 22, 2019	Grant Deed, Transfer OTHER

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 14, 2019 · Amount on File
Deed Sale	Nov 14, 2019 · Amount on File
Prior Sale	Aug 22, 2019
Deed Document Number	0071811519
Deed Book / Page	7181 / 1519
Record Updated	Jun 8, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	111 RIVER ROCK DR, O FALLON, MO 63366-1790
Transaction Type	Mortgage
Record Updated	Apr 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	111 RIVER ROCK DR, O FALLON, MO 63366-1790

Mortgage

Document Number	2021R029905
Date	Apr 6, 2021
Instrument	2021R-029905

Lender

Name	WINGS FINANCIAL CU
Type	Credit Union
Address	SAINT PAUL, MN 55124

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2051

November 2019: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Nov 14, 2019
Property Address	111 RIVER ROCK DR, O FALLON, MO 63366-1790
Document Number	0071811519
Book / Page	7181 / 1519
Map Reference	MB 50 PG 162-165
Instrument Date	Nov 12, 2019
Instrument	20191114000651380
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 9, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	111 RIVER ROCK DR, O FALLON, MO 63366-1790

Mortgage

Document Number	20191114000651390
Date	Nov 14, 2019
Instrument	20191114000651390

Lender

Name	WINGS FINANCIAL CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	2.87%
Type Change Date	Dec 1, 2024
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	4.87%
Index	1-Year CMT
Max Rate	7.87%

August 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ST CHARLES MO
Recording Date	Aug 22, 2019
Property Address	111 RIVER ROCK DR, O FALLON, MO 63366-1790
Document Number	0071272396
Book / Page	007127 / 002396
Instrument Date	Aug 20, 2019
Instrument	445930
Transaction Type	Transfer
Record Updated	Sep 19, 2019
Title Company	OTHER

Transaction

Amount	Amount on Record
Tax	$0.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	239 FOX HILL RD ST CHARLES MO 633013745, ST CHARLES, MO 63301-3745
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 111 River Rock Dr was $4,774.

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	$4,774.00	$77,846	$409,716 Land $70,000 Building $339,716
2023		$77,801
2022			$409,477 Land $55,000 Building $354,477

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

FEMA maps place 111 River Rock Dr in Zone X, an area of minimal flood risk, though there have been 25 flood claims nearby since 1982.

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

Wildfire risk around 111 River Rock Dr is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 91% 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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