1122 Spring Orchard Dr, O Fallon, MO 63368 Property Records

St. Charles County property record for 1122 Spring Orchard Dr, O Fallon, MO 63368

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,942 sqft · built 2005
Lot Size	0.19 acres (8,276 sqft)
Owner	2 Individual Names on Record
Last Sale	$266,362 (Sep 2005)
Tax Bill	$5,476 (2025)
Deeds & Mortgages	Oct 2017 Line of Credit Aug 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T032500125`

Property Details

APN / Parcel Number

Primary APN	`T032500125`
Alternative APN	`2-0126-8930-00-0114.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,942 sqft Living Area
Gross Area	4,598 sqft
1st Floor Area	1,686 sqft
Basement Area	1,256 sqft

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Lot Area	8,276 sqft (0.19 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	45 sqft
Patio Area	96 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T032500125
Street Address	1122 SPRING ORCHARD DR
City	O FALLON
State	MO
Zip	63368-7982
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING ORCHARD #1 LOT 114
Legal Subdivision	SPRING ORCHARD #1
Legal Lot Number	114
Jurisdiction	ST CHARLES MO
Township / Civil Division	DARDENNE
Census Block Group	2
Census Block	2008
Census Tract	311739

Owner

Source: St. Charles County records, as of August 10, 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	1122 SPRING ORCHARD DR, O FALLON, MO 63368-7982
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 18, 2017	Deed of Trust, Mortgage · Line of Credit FIRST COMMUNITY CU
Aug 25, 2020	Deed of Trust, Mortgage · Line of Credit THE BANK OF HOUSTON
Mar 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST COMMUNITY CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 8, 2005 · Amount on Record
Deed Sale	Sep 8, 2005 · Amount on Record
Deed Document Number	2005855990
Deed Book / Page	4285 / 2191
Record Updated	Sep 20, 2026

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1122 SPRING ORCHARD DR, O FALLON, MO 63368-7982
Transaction Type	Mortgage
Record Updated	Oct 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000654780
Date	Oct 18, 2017
Book Page	6825/0235
Instrument	20171018000654780

Lender

Name	FIRST COMMUNITY CU
Type	Credit Union
Address	VENTURA, CA 93005

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Oct 4, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1122 SPRING ORCHARD DR, O FALLON, MO 63368-7982
Transaction Type	Mortgage
Record Updated	Oct 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1122 SPRING ORCHARD DR, O FALLON, MO 63368-7982

Mortgage

Document Number	0000616860
Date	Aug 25, 2020
Book Page	7380/956
Instrument	20200825000616860

Lender

Name	THE BANK OF HOUSTON
Type	Bank
Address	HOUSTON, MO 65483

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Aug 10, 2030

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1122 SPRING ORCHARD DR, O FALLON, MO 63368-7982
Transaction Type	Mortgage
Record Updated	Oct 4, 2022
Title Company	TOUCHSTONE TITLE & ABSTRACT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1122 SPRING ORCHARD DR, O FALLON, MO 63368-7982

Mortgage

Document Number	0000022098
Date	Mar 12, 2021
Instrument	2021R-022098

Lender

Name	FIRST COMMUNITY CU
Type	Credit Union
Address	CHESTERFIELD, MO 63005

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2036

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	O'Fallon 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		$85,491 (-)	$449,951 (-) Land $60,002 Building $389,949
2025	$5,476.00	$85,491 (+10.39%)	$449,951 (+10.39%) Land $60,002 Building $389,949
2023		$77,446
2022			$407,611 Land $40,002 Building $367,609

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 9 (5% premium discount)
Nearby Flood Policies	1 in force

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	Not rated no burnable land within ember reach

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 CHARLES COUNTY PWSD 2 serves 100,587 people · EPA ID MO6024530
Water Source	Purchased surface water from ST LOUIS CITY PWS
Last State Inspection	Aug 2023
Lead	2 ppb (2026) 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 446 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
i3 Broadband Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

Nearby Properties on Spring Orchard Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures