1143 Spring Orchard Dr, O Fallon, MO 63368 Property Records

St. Charles County property record for 1143 Spring Orchard Dr, O Fallon, MO 63368

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,188 sqft · built 2002
Lot Size	0.17 acres (7,405 sqft)
Owner	Individual Name on File
Last Sale	$256,100 (Jan 2010)
Tax Bill	$4,744 (2025)
Deeds & Mortgages	Dec 2017 Mortgage Jul 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`T032500193`

Property Details

APN / Parcel Number

Primary APN	`T032500193`
Alternative APN	`2-0126-8931-00-0059.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,188 sqft Living Area
Gross Area	4,044 sqft
1st Floor Area	1,472 sqft
Basement Area	1,436 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Bi-Level
Exterior Material	Brick/Stone
Lot Area	7,405 sqft (0.17 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	80 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T032500193
Street Address	1143 SPRING ORCHARD DR
City	O FALLON
State	MO
Zip	63368-7987
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING ORCHARD #2 LOT 59
Legal Subdivision	SPRING ORCHARD #2
Legal Lot Number	59
Jurisdiction	ST CHARLES MO
Township / Civil Division	DARDENNE
Census Block Group	2
Census Block	2007
Census Tract	311739

Owner

1143 Spring Orchard Dr is owned and occupied by an individual who bought it in January 2010.

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	Individual Name on File
Mailing Address	1143 SPRING ORCHARD DR, O FALLON, MO 63368-7987
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 26, 2017	Deed of Trust, Mortgage · Conventional Mortgage COMMERCE BANK
Jul 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage COMMERCE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 4, 2010 · Amount on File
Deed Sale	Jan 4, 2010 · Amount on File
Prior Sale	Nov 22, 2002 · Amount on File
Deed Document Number	2010460
Deed Book / Page	5321 / 211
Prior Transfer Date	Dec 18, 2009
Prior Transfer Doc	0000000460
Record Updated	Oct 29, 2026

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1143 SPRING ORCHARD DR, O FALLON, MO 63368-7987
Transaction Type	Mortgage
Record Updated	Oct 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000790580
Date	Dec 26, 2017
Book Page	6857/1201
Instrument	20171226000790580

Lender

Name	COMMERCE BANK
Type	Bank
Address	KANSAS CITY, MO 64106

Agreement

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

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1143 SPRING ORCHARD DR, O FALLON, MO 63368-7987
Transaction Type	Mortgage
Record Updated	Oct 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1143 SPRING ORCHARD DR, O FALLON, MO 63368-7987

Mortgage

Document Number	0000055717
Date	Jul 1, 2021
Instrument	2021R-055717

Lender

Name	COMMERCE BANK
Type	Bank
Address	KANSAS CITY, MO 64106

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 1143 Spring Orchard Dr was $4,744.

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		$73,965 (-)	$389,287 (-) Building $389,287
2025	$4,744.00	$73,965	$389,287
2023		$68,102
2022			$358,431 Land $40,002 Building $318,429

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 1143 Spring Orchard Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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

The area around 1143 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.

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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