1126 Spring Orchard Dr, O Fallon, MO 63368 Property Records

St. Charles County property record for 1126 Spring Orchard Dr, O Fallon, MO 63368

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,684 sqft · built 2004
Lot Size	0.19 acres (8,276 sqft)
Owner	2 Individual Names on Record
Last Sale	$220,000 (Mar 2016)
Tax Bill	$4,077 (2025)
Deeds & Mortgages	Oct 2025 Line of Credit Jan 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`T032500127`

Property Details

APN / Parcel Number

Primary APN	`T032500127`
Alternative APN	`2-0126-8930-00-0116.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,684 sqft Living Area
Gross Area	3,744 sqft
1st Floor Area	1,684 sqft
Basement Area	1,660 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Ranch
Exterior Material	Brick/Stone
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	60 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T032500127
Street Address	1126 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 116
Legal Subdivision	SPRING ORCHARD #1
Legal Lot Number	116
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 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	1126 SPRING ORCHARD DR, O FALLON, MO 63368-7982
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 17, 2025	Deed of Trust, Mortgage · Line of Credit TOGETHER CU
Jan 22, 2019	Deed of Trust, Mortgage · FHA Mortgage UNITED WHOLESALE MORTGAGE
Mar 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED FIDELITY FUNDING CORP
Jun 28, 2022	Deed of Trust, Mortgage · FHA Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 28, 2016 · Amount on Record
Deed Sale	Mar 28, 2016 · Amount on Record
Prior Sale	Jun 18, 2004 · Amount on Record
Deed Document Number	2016174670
Deed Book / Page	6510 / 1251
Last Transfer Date	Jul 2, 2020
Transfer Doc	0000494590
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1126 SPRING ORCHARD DR, O FALLON, MO 63368-7982
Transaction Type	Mortgage
Record Updated	Oct 31, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1126 SPRING ORCHARD DR, O FALLON, MO 63368-7982

Mortgage

Document Number	0000046435
Date	Oct 17, 2025
Instrument	2025R-046435

Lender

Name	TOGETHER CU
Type	Credit Union
Address	SAINT LOUIS, MO 63118

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Oct 30, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1126 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	0000031830
Date	Jan 22, 2019
Book Page	7027/2011
Instrument	20190122000031830

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2049

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1126 SPRING ORCHARD DR, O FALLON, MO 63368-7982
Transaction Type	Mortgage
Record Updated	Oct 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1126 SPRING ORCHARD DR, O FALLON, MO 63368-7982

Mortgage

Document Number	0000018222
Date	Mar 2, 2021
Instrument	2021R-018222

Lender

Name	UNITED FIDELITY FUNDING CORP
Type	Mortgage Company
Address	RIVERSIDE, MO 64150

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1126 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	0000036004
Date	Jun 28, 2022
Instrument	2022R-036004

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

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		$63,486 (-)	$334,136 (-) Land $60,002 Building $274,134
2025	$4,077.00	$63,486 (+1.2%)	$334,136 (+1.2%) Land $60,002 Building $274,134
2023		$62,731
2022			$330,163 Land $40,002 Building $290,161

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.

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