1120 River Oak Ct, O Fallon, MO 63366 Property Records

St. Charles County property record for 1120 River Oak Ct, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,568 sqft · built 2018
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on File
Last Sale	$296,241 (Nov 2018)
Tax Bill	$4,905 (2025)
Deeds & Mortgages	Dec 2023 Sale Dec 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`T170300120`

Property Details

APN / Parcel Number

Primary APN	`T170300120`
Alternative APN	`2-0087-C384-00-0171.0000000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,568 sqft Living Area
Basement Area	1,204 sqft

Exterior

Year Built	Built 2018
Architectural Style	Ranch
Exterior Material	Composition/Composite
Lot Area	10,890 sqft (0.25 acres)
Garage Type	Attached
Parking Spaces	3 Parking Spaces

Location & Zoning

Account Number	T170300120
Street Address	1120 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 171
Legal Range	02E
Legal Township	48N
Legal Subdivision	RIVERDALE VLG A #3
Legal Lot Number	171
Jurisdiction	ST CHARLES MO
Township / Civil Division	WENTZVILLE
Census Block Group	2
Census Block	2005
Census Tract	312001

Owner

1120 River Oak Ct is owned and occupied by two individuals who bought it in November 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	1120 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
Dec 19, 2023	Beneficiary Deed, Transfer
Dec 2, 2020	Deed of Trust, Mortgage HOME LOAN EXPERT LLC
Nov 14, 2018	Warranty Deed, Subdivision Related Transfer HOME LOAN EXPERT LLC
Dec 12, 2017	Grant Deed, Transfer ARCHWAY TITLE AGENCY, ARCHWAY TITLE AGCY
Dec 8, 2017	Loan Modification, Mortgage ARCHWAY TITLE AGENCY, ARCHWAY TITLE AGCY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 14, 2018 · Amount on File
Deed Sale	Nov 14, 2018 · Amount on File
Deed Document Number	0070022334
Deed Book / Page	7002 / 2334
Record Updated	Jun 8, 2026

December 2023: Beneficiary Deed, Transfer

Document Type	Beneficiary Deed
Jurisdiction	ST CHARLES MO
Recording Date	Dec 19, 2023
Property Address	1120 RIVER OAK CT, O FALLON, MO 63366-1546
Document Number	0000051451
Map Reference	MB 48 PG 394
Instrument Date	Nov 28, 2023
Instrument	2023R-051451
Transaction Type	Transfer
Record Updated	Jan 2, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1120 RIVER OAK CT, O FALLON, MO 63366-1546

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1120 RIVER OAK CT, O FALLON, MO 63366-1546

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1120 RIVER OAK CT, O FALLON, MO 63366-1546
Document Number	0000095768
Instrument Date	Dec 2, 2020
Transaction Type	Mortgage
Record Updated	Mar 8, 2021
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	1120 RIVER OAK CT ST PAUL MO 633661546, ST PAUL, MO 63366-1546

Mortgage

Document Number	0000095768
Date	Dec 7, 2020
Instrument	95768

Lender

Name	HOME LOAN EXPERT LLC
Address	SAINT LOUIS, MO 63144

Agreement

Amount	Amount on Record
Term	300 Months
Due	Dec 6, 2045

November 2018: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Nov 14, 2018
Property Address	1120 RIVER OAK CT, O FALLON, MO 63366-1546
Document Number	0070022334
Book / Page	007002 / 002334
Instrument Date	Nov 14, 2018
Instrument	645390
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 7, 2018
Title Company	OTHER

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
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	Married Couple
Address	1120 RIVER OAK CT O FALLON MO 633661546, O FALLON, MO 63366-1546

Mortgage

Document Number	70022336
Date	Nov 14, 2018
Book Page	007002/002336
Instrument	645400

Lender

Name	HOME LOAN EXPERT LLC
Address	SAINT LOUIS, MO 63144

Agreement

Amount	Amount on Record
Term	360 Months
Due	Nov 13, 2048

December 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ST CHARLES MO
Recording Date	Dec 12, 2017
Property Address	1120 RIVER OAK CT, O FALLON, MO 63366-1546
Document Number	0068520058
Book / Page	006852 / 000058
Instrument Date	Dec 8, 2017
Instrument	768040
Transaction Type	Transfer
Record Updated	Jan 3, 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
Investor	Possibly a Property Investor

December 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST CHARLES MO
Property Address	1120 RIVER OAK CT, O FALLON, MO 63366-1546
Document Number	0068520060
Instrument Date	Dec 8, 2017
Transaction Type	Mortgage
Record Updated	Jan 11, 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

The 2025 property tax bill for 1120 River Oak Ct was $4,905.

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	$4,905.00	$80,003	$421,069 Land $70,000 Building $351,069
2023		$76,627
2022			$403,299 Land $55,000 Building $348,299

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 1120 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 1120 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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