1124 Lupine Ct, O Fallon, MO 63366 Property Records

St. Charles County property record for 1124 Lupine Ct, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,318 sqft · built 1997
Lot Size	0.24 acres (10,454 sqft)
Owner	2 Individual Names on Record
Last Sale	$216,500 (Aug 2004)
Tax Bill	$4,589 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Dec 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`A982001086`

Property Details

APN / Parcel Number

Primary APN	`A982001086`
Alternative APN	`2-0119-7819-00-0050.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,318 sqft Living Area
Gross Area	3,963 sqft
1st Floor Area	1,245 sqft
Basement Area	1,245 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Bi-Level
Exterior Material	Brick/Stone
Lot Area	10,454 sqft (0.24 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	45 sqft
Patio Area	12 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	A982001086
Street Address	1124 LUPINE CT
City	O FALLON
State	MO
Zip	63366-3210
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AC4
Legal Description	ALPINE RIDGE EST #3 LOT 50
Legal Subdivision	ALPINE RIDGE EST #3
Legal Lot Number	50
Jurisdiction	ST CHARLES MO
Township / Civil Division	DARDENNE
Census Block Group	2
Census Block	2005
Census Tract	311734

Owner

Source: St. Charles County records, as of August 7, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	1124 LUPINE CT, O FALLON, MO 63366-3210
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 24, 2022	Deed of Trust, Mortgage VANTAGE CU
Dec 15, 2017	Deed of Trust, Mortgage · Conventional Mortgage MB FINANCIAL BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 5, 2004 · Amount on Record
Deed Sale	Aug 5, 2004 · Amount on Record
Prior Sale	Oct 30, 2000 · Amount on Record
Deed Document Number	2004760440
Deed Book / Page	3944 / 1772
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1124 LUPINE CT, O FALLON, MO 63366-3210
Transaction Type	Mortgage
Record Updated	Feb 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1124 LUPINE CT, O FALLON, MO 63366-3210

Mortgage

Document Number	0000004724
Date	Jan 24, 2022
Instrument	2022R-004724

Lender

Name	VANTAGE CU
Type	Credit Union
Address	SAINT CHARLES, MO 63304

Agreement

Amount	Amount Recorded
Term	49 Months
Due	Feb 1, 2026

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1124 LUPINE CT, O FALLON, MO 63366-3210
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0068530868
Date	Dec 15, 2017
Book Page	6853/0868
Instrument	20171215000773920

Lender

Name	MB FINANCIAL BANK NA
Type	Bank
Address	ANN ARBOR, MI 48105

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jan 1, 2033

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		$71,540 (-)	$376,524 (-) Building $376,524
2025	$4,589.00	$71,540 (+8.82%)	$376,524 (+8.82%)
2023		$65,740
2022			$345,999 Land $45,000 Building $300,999

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	2 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	Low lower than 98% of the US · lower than 96% of Missouri
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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
Also Mapped Here	MO AMERICAN ST LOUIS ST CHARLES COUNTIES
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 524 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
Verizon Fixed Wireless	300 / 20

May also be available: Brightspeed, T-Mobile, Wisper ISP.

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