1111 River Oak Ct, O Fallon, MO 63366 Property Records

St. Charles County property record for 1111 River Oak Ct, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 3,146 sqft · built 2018
Lot Size	0.191 acres (8,320 sqft)
Owner	2 Individual Names on Record
Last Sale	$365,284 (Jun 2026)
Tax Bill	$4,251 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Oct 2024 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`T170300115`

Property Details

APN / Parcel Number

Primary APN	`T170300115`
Alternative APN	`2-0087-C384-00-0166.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	3,146 sqft Living Area
Gross Area	3,936 sqft
1st Floor Area	1,748 sqft
Basement Area	1,748 sqft

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	8,320 sqft (0.191 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Account Number	T170300115
Street Address	1111 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 166
Legal Subdivision	RIVERDALE VLG A #3
Legal Lot Number	166
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 14, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	1111 RIVER OAK CT, O FALLON, MO 63366-1546
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Jun 16, 2026	Quit Claim Deed, Transfer · Conventional Mortgage FREEDOM MORTGAGE CORPORATION
Oct 15, 2024	Warranty Deed, Transfer · Conventional Mortgage EVERETT FINANCIAL INC
Jun 9, 2020	Deed of Trust, Mortgage FIRST ST BK/ST CHARLES
Aug 15, 2018	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage IBERIABANK
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	Jun 16, 2026 · Amount on Record
Deed Sale	Jun 16, 2026 · Amount on Record
Prior Sale	Oct 15, 2024 · Amount on Record
Deed Document Number	202628082
Prior Transfer Date	Jun 9, 2026
Prior Transfer Doc	0000028082
Record Updated	Oct 29, 2026

June 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jun 16, 2026
Property Address	1111 RIVER OAK CT, O FALLON, MO 63366-1546
Document Number	0000028082
Instrument Date	Jun 9, 2026
Instrument	202628082
Transaction Type	Transfer
Record Updated	Jun 25, 2026
Title Company	MORTGAGE CONNECT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Estimated Sale Price

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1111 RIVER OAK CT, O FALLON, MO 63366-1546

Mortgage

Document Number	0000028083,
Date	Jun 16, 2026
Instrument	202628083

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	343 Months
Due	Jan 1, 2055

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

October 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Oct 15, 2024
Property Address	1111 RIVER OAK CT, O FALLON, MO 63366-1546
Document Number	0000042452
Map Reference	MB 48 PG 394
Instrument Date	Oct 7, 2024
Instrument	2024R-042452
Transaction Type	Transfer
Record Updated	Oct 29, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1111 RIVER OAK CT, O FALLON, MO 63366-1546

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1111 RIVER OAK CT, O FALLON, MO 63366-1546

Mortgage

Document Number	0000042453
Date	Oct 15, 2024
Instrument	2024R-042453

Lender

Name	EVERETT FINANCIAL INC
Type	Funding / Finance Company
Address	DALLAS, TX 75254

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2054

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1111 RIVER OAK CT, O FALLON, MO 63366-1546
Document Number	0073232110
Instrument Date	Jun 9, 2020
Transaction Type	Mortgage
Record Updated	Aug 14, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1111 RIVER OAK CT O FALLON MO 633661546, O FALLON, MO 63366-1546

Mortgage

Document Number	0073232110
Date	Jun 18, 2020
Book Page	007323/002110
Instrument	415330

Lender

Name	FIRST ST BK/ST CHARLES
Type	Bank
Address	SAINT CHARLES, MO 63301

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 17, 2050

August 2018: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Aug 15, 2018
Property Address	1111 RIVER OAK CT, O FALLON, MO 63366-1546
Document Number	0069630878
Book / Page	6963 / 0878
Map Reference	MB 48 PG 394
Instrument Date	Aug 15, 2018
Instrument	20180815000466250
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 9, 2021
Title Company	ARCHER LAND TITLE INC

Transaction

Tax	$0.00
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	1111 RIVER OAK CT, SAINT PAUL, MO 63366-1546

Mortgage

Document Number	20180815000466260
Date	Aug 15, 2018
Instrument	20180815000466260

Lender

Name	IBERIABANK
Type	Bank

Agreement

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

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	May 25, 2018
Property Address	1111 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 Recorded
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	1111 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

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		$69,272 (-)	$364,588 (-) Land $70,000 Building $294,588
2025	$4,251.00 (+1.55%)	$69,272 (+4.46%)	$364,588 (+4.46%) Land $70,000 Building $294,588
2024	$4,186.00
2023		$66,315
2022			$349,027 Land $55,000 Building $294,027

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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