115 Cordes St, O Fallon, MO 63366 Property Records

St. Charles County property record for 115 Cordes St, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,200 sqft · built 1962
Lot Size	0.215 acres (9,375 sqft)
Owner	2 Individual Names on Record
Last Sale	$240,000 (May 2026)
Tax Bill	$2,655 (2025)
Deeds & Mortgages	Feb 2021 Second Mortgage Jul 2022 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`250470A000`

Property Details

APN / Parcel Number

Primary APN	`250470A000`
Alternative APN	`2-057A-4238-00-0002.0000000`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,200 sqft Living Area
Gross Area	2,100 sqft
1st Floor Area	900 sqft
Basement Area	900 sqft

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,375 sqft (0.215 acres)
Lot Dimensions	125 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	300 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	272 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	250470A000
Street Address	115 CORDES ST
City	O FALLON
State	MO
Zip	63366-2522
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AE9
Legal Description	CRESTWOOD MANOR LOT 2
Legal Subdivision	CRESTWOOD MANOR
Legal Lot Number	2
Jurisdiction	ST CHARLES MO
Township / Civil Division	WENTZVILLE
Census Block Group	1
Census Block	1006
Census Tract	311802

Owner

Source: St. Charles County records, as of September 11, 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	115 CORDES ST, O FALLON, MO 63366-2522
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Feb 24, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage TRUIST BANK
Jul 12, 2022	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
May 22, 2026	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE
Jun 1, 2021	Warranty Deed, Transfer · FHA Mortgage REGIONS BANK
Feb 24, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage TRUIST BANK
Aug 10, 2019	Deed of Trust, Mortgage · FHA Mortgage GUARANTEED RATE
Sep 21, 2018	Deed of Trust, Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 22, 2026 · Amount on Record
Deed Sale	May 22, 2026 · Amount on Record
Prior Sale	Apr 9, 2025 · Amount on Record
Deed Document Number	202624097
Prior Transfer Date	Apr 2, 2025
Prior Transfer Doc	0000013978
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	115 CORDES ST, O FALLON, MO 63366-2522
Transaction Type	Mortgage
Record Updated	Jun 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 CORDES ST, O FALLON, MO 63366-2522

Mortgage

Document Number	0000016218
Date	Feb 24, 2021
Instrument	2021R-016218

Lender

Name	TRUIST BANK
Type	Bank
Address	RICHMOND, VA 23224

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	343 Months
Due	Sep 1, 2049

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	115 CORDES ST, O FALLON, MO 63366-2522
Transaction Type	Mortgage
Record Updated	Jun 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 CORDES ST, O FALLON, MO 63366-2522

Mortgage

Document Number	0000038758
Date	Jul 12, 2022
Instrument	2022R-038758

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	347 Months
Due	Jun 1, 2051

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	May 22, 2026
Property Address	115 CORDES ST, O FALLON, MO 63366-2522
Document Number	0000024097
Instrument Date	May 21, 2026
Instrument	202624097
Transaction Type	Transfer
Record Updated	Aug 6, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SOLUTI

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 CORDES ST, O FALLON, MO 63366-2522

Mortgage

Document Number	0000024098,
Date	May 22, 2026
Instrument	202624098

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.37%
Initial Type	Fixed Rate
Max Rate	-1%

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jun 1, 2021
Property Address	115 CORDES ST, O FALLON, MO 63366-2522
Document Number	2021R046754
Map Reference	MB 6 PG 68
Instrument Date	May 28, 2021
Instrument	2021R-046754
Transaction Type	Transfer
Record Updated	Jun 16, 2021
Title Company	SYNERGY TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	103 LINDA DR, 103, COLLINSVILLE, IL 62234-4838

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	115 CORDES ST, O FALLON, MO 63366-2522

Mortgage

Document Number	2021R046755
Date	Jun 1, 2021
Instrument	2021R-046755

Lender

Name	REGIONS BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2051

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	115 CORDES ST, O FALLON, MO 63366-2522
Transaction Type	Mortgage
Record Updated	Mar 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 CORDES ST, O FALLON, MO 63366-2522

Mortgage

Document Number	2021R016218
Date	Feb 24, 2021
Instrument	2021R-016218

Lender

Name	TRUIST BANK
Type	Bank
Address	RICHMOND, VA 23224

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	343 Months
Due	Sep 1, 2049

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	115 CORDES ST, O FALLON, MO 63366-2522
Document Number	0071242382
Instrument Date	Aug 10, 2019
Transaction Type	Mortgage
Record Updated	Sep 6, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 CORDES ST O FALLON MO 633662522, O FALLON, MO 63366-2522

Mortgage

Document Number	0071242382
Date	Aug 16, 2019
Book Page	007124/002382
Instrument	433780

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 15, 2049

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	115 CORDES ST, O FALLON, MO 63366-2522
Document Number	0069821757
Instrument Date	Sep 21, 2018
Transaction Type	Mortgage
Record Updated	Jan 16, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 CORDES ST O FALLON MO 633662522, O FALLON, MO 63366-2522

Mortgage

Document Number	0069821757
Date	Sep 26, 2018
Book Page	006982/001757
Instrument	553830

Lender

Name	GUARANTEED RATE
Address	CHICAGO, MO 60613

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 25, 2048

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		$41,111 (-)	$216,372 (-) Building $216,372
2025	$2,655.00 (+4.49%)	$41,111 (+7.66%)	$216,372 (+7.66%) Building $216,372
2024	$2,541.00
2023		$38,187
2022			$200,985 Land $50,000 Building $150,985

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
Nearby Flood Claims	2 (1979–1982)
Most Recent Claim	Dec 1982 · tidal / storm surge

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	OFALLON PWS serves 32,515 people · EPA ID MO6010588
Water Source	Purchased surface water from several systems
Last State Inspection	Aug 2024
Lead	2 ppb (2023–2025) 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 234 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Gateway Fiber Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: AT&T, Brightspeed, Wisper ISP.

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