St. Charles County property record for 1130 Spring Orchard Dr, O Fallon, MO 63368
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,939 sqft · built 2003 |
| Lot Size | 0.19 acres (8,276 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $470,000 (Apr 2026) |
| Tax Bill | $5,308 (2025) |
| Deeds & Mortgages | Apr 2026 Sale & Mortgage Sep 2022 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | T032500129 |
| Primary APN | T032500129 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,939 sqft Living Area |
| Gross Area | 4,595 sqft |
| 1st Floor Area | 1,683 sqft |
| Basement Area | 1,256 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Architectural Style | Bi-Level |
| 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 | 90 sqft |
| Patio Area | 144 sqft |
| Heating Fuel | Gas |
|---|---|
| Sewer | Connected |
| Account Number | T032500129 |
|---|---|
| Street Address | 1130 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 118 |
| Legal Subdivision | SPRING ORCHARD #1 |
| Legal Lot Number | 118 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | DARDENNE |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 311739 |
1130 Spring Orchard Dr is owned and occupied by two individuals who bought it in April 2026.
Source: St. Charles County records, as of August 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1130 SPRING ORCHARD DR, O FALLON, MO 63368-7982 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Couple |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Apr 8, 2026 | Warranty Deed, Transfer · Conventional Mortgage LOAN STORE |
| Sep 26, 2022 | Beneficiary Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 8, 2026 · Amount on File |
| Deed Sale | Apr 8, 2026 · Amount on File |
| Prior Sale | Aug 19, 2004 · Amount on File |
| Deed Document Number | 202616097 |
| Prior Transfer Date | Aug 31, 2022 |
| Prior Transfer Doc | 0000052762 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Apr 8, 2026 |
| Property Address | 1130 SPRING ORCHARD DR, O FALLON, MO 63368-7982 |
| Document Number | 0000016097 |
| Instrument Date | Apr 6, 2026 |
| Instrument | 202616097 |
| Transaction Type | Transfer |
| Record Updated | Aug 6, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1130 SPRING ORCHARD DR, O FALLON, MO 63368-7982 |
| Document Number | 0000016098, |
|---|---|
| Date | Apr 8, 2026 |
| Instrument | 202616098 |
| Name | LOAN STORE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.98% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Beneficiary Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Sep 26, 2022 |
| Property Address | 1130 SPRING ORCHARD DR, O FALLON, MO 63368-7982 |
| Document Number | 0000052762 |
| Map Reference | MB 38 PG 271 |
| Instrument Date | Aug 31, 2022 |
| Instrument | 2022R-052762 |
| Transaction Type | Transfer |
| Record Updated | Oct 7, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1130 SPRING ORCHARD DR, 1130, O FALLON, MO 63368-7982 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 1130 SPRING ORCHARD DR, O FALLON, MO 63368-7982 |
The 2025 property tax bill for 1130 Spring Orchard Dr was $5,308, up 3.1% from the year before.
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | O'Fallon City |
| Unified School District | Fort Zumwalt R-II School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $82,842 (-) | $436,009 (-) Land $60,002 Building $376,007 | |
| 2025 | $5,308.00 (+3.15%) | $82,842 | $436,009 Land $60,002 Building $376,007 |
| 2024 | $5,146.00 | ||
| 2023 | $77,997 | ||
| 2022 | $410,509 Land $40,002 Building $370,507 |
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.
FEMA maps place 1130 Spring Orchard Dr in Zone X, an area of minimal flood risk.
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.
The area around 1130 Spring Orchard Dr has no burnable land within ember reach, so its wildfire risk is not rated.
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.
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 |
| 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.
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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