1110 River Oak Ct, O Fallon, MO 63366 Property Records

St. Charles County property record for 1110 River Oak Ct, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,604 sqft · built 2018
Lot Size	0.182 acres (7,928 sqft)
Owner	Individual Name on File
Last Sale	$254,836 (Dec 2018)
Tax Bill	$3,779 (2025)
Deeds & Mortgages	Jan 2022 Line of Credit Feb 2020 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`T170300125`

Property Details

APN / Parcel Number

Primary APN	`T170300125`
Alternative APN	`2-0087-C384-00-0176.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,604 sqft Living Area
Basement Area	1,604 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	T170300125
Street Address	1110 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 176
Legal Range	02E
Legal Township	48N
Legal Subdivision	RIVERDALE VLG A #3
Legal Lot Number	176
Jurisdiction	ST CHARLES MO
Township / Civil Division	WENTZVILLE
Census Block Group	2
Census Block	2005
Census Tract	312001

Owner

1110 River Oak Ct is owned and occupied by an individual who bought it in December 2018.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	1110 RIVER OAK CT, O FALLON, MO 63366-1546
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
Jan 18, 2022	Deed of Trust, Mortgage · Line of Credit COMMERCE BANK
Feb 25, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Jan 20, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MTG
Dec 27, 2018	Warranty Deed, Subdivision Related Transfer · FHA Mortgage PARAMOUNT BOND & MORTGAGE CO INC
May 25, 2018	Warranty Deed, Transfer ARC
May 21, 2018	Loan Modification, Mortgage OTHER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 27, 2018 · Amount on File
Deed Sale	Dec 27, 2018 · Amount on File
Deed Document Number	0070191848
Deed Book / Page	7019 / 1848
Record Updated	Jun 8, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1110 RIVER OAK CT, O FALLON, MO 63366-1546
Transaction Type	Mortgage
Record Updated	Feb 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1110 RIVER OAK CT, SAINT PAUL, MO 63366-1546

Mortgage

Document Number	0000003522
Date	Jan 18, 2022
Instrument	2022R-003522

Lender

Name	COMMERCE BANK
Type	Bank
Address	KANSAS CITY, MO 64106

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Jan 8, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1110 RIVER OAK CT, O FALLON, MO 63366-1546
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0072361063
Date	Feb 25, 2020
Book Page	7236/1063
Instrument	20200225000113600

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	CHESTERFIELD, MO 63005

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	348 Months
Due	Feb 1, 2049

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1110 RIVER OAK CT, O FALLON, MO 63366-1546
Document Number	0000008135
Instrument Date	Jan 20, 2021
Transaction Type	Mortgage
Record Updated	Apr 2, 2021
Title Company	INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	1110 RIVER OAK CT O FALLON MO 633661546, O FALLON, MO 63366-1546

Mortgage

Document Number	0000008135
Date	Jan 27, 2021
Instrument	8135

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	336 Months
Due	Jan 26, 2049

December 2018: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Dec 27, 2018
Property Address	1110 RIVER OAK CT, O FALLON, MO 63366-1546
Document Number	0070191848
Book / Page	7019 / 1848
Map Reference	MB 48 PG 394
Instrument Date	Dec 27, 2018
Instrument	20181227000720700
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 9, 2021

Transaction

Amount	Amount on Record
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	1110 RIVER OAK CT, O FALLON, MO 63366-1546

Mortgage

Document Number	20181227000720710
Date	Dec 27, 2018
Instrument	20181227000720710

Lender

Name	PARAMOUNT BOND & MORTGAGE CO INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2049

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	May 25, 2018
Property Address	1110 RIVER OAK CT, O FALLON, MO 63366-1546
Document Number	0069240035
Book / Page	006924 / 000035
Instrument Date	May 21, 2018
Instrument	288830
Transaction Type	Transfer
Record Updated	Jun 27, 2018
Title Company	ARC

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	10407 BAUR BLVD ST LOUIS MO 631321904, ST LOUIS, MO 63132-1904
Investor	Possibly a Property Investor

May 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST CHARLES MO
Property Address	1110 RIVER OAK CT, O FALLON, MO 63366-1546
Document Number	0069240037
Instrument Date	May 21, 2018
Transaction Type	Mortgage
Record Updated	Jan 14, 2019
Title Company	OTHER

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

The 2025 property tax bill for 1110 River Oak Ct was $3,779.

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	$3,779.00	$61,532	$323,852 Land $70,000 Building $253,852
2023		$60,941
2022			$320,743 Land $55,000 Building $265,743

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 1110 River Oak Ct 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 1110 River Oak Ct 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 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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