115 Sea Side Ct, O Fallon, MO 63368 Property Records

St. Charles County property record for 115 Sea Side Ct, O Fallon, MO 63368

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,812 sqft · built 2002
Lot Size	0.26 acres (11,326 sqft)
Owner	2 Individual Names on File
Last Sale	$279,900 (Mar 2017)
Tax Bill	$4,306 (2025)
Deeds & Mortgages	May 2021 Line of Credit Sep 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`T012500466`

Property Details

APN / Parcel Number

Primary APN	`T012500466`
Alternative APN	`2-0066-8563-00-0293.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,812 sqft Living Area
Gross Area	4,212 sqft
1st Floor Area	1,812 sqft
Basement Area	1,812 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Ranch
Exterior Material	Brick/Stone
Lot Area	11,326 sqft (0.26 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	588 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	129 sqft
Patio Area	168 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T012500466
Street Address	115 SEA SIDE CT
City	O FALLON
State	MO
Zip	63368-6688
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VLGS AT HUTCHINGS FARM #2 LOT 293
Legal Subdivision	VLGS AT HUTCHINGS FARM #2
Legal Lot Number	293
Jurisdiction	ST CHARLES MO
Township / Civil Division	DARDENNE
Census Block Group	2
Census Block	2001
Census Tract	311735

Owner

115 Sea Side Ct is owned and occupied by two individuals who bought it in March 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	115 SEA SIDE CT, O FALLON, MO 63368-6688
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
May 17, 2021	Deed of Trust, Mortgage · Line of Credit FIRST COMMUNITY CU
Sep 11, 2020	Deed of Trust, Mortgage DAS ACQUISITION
Aug 16, 2018	Deed of Trust, Mortgage HOME LOAN EXPERT LLC
Mar 30, 2017	Warranty Deed, Transfer · FHA Mortgage DAS ACQUISITION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 30, 2017 · Amount on File
Deed Sale	Mar 30, 2017 · Amount on File
Prior Sale	Mar 16, 2009 · Amount on File
Deed Document Number	2017188990
Deed Book / Page	6719 / 2100
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	115 SEA SIDE CT, O FALLON, MO 63368-6688
Transaction Type	Mortgage
Record Updated	May 31, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	115 SEA SIDE CT, O FALLON, MO 63368-6688

Mortgage

Document Number	2021R042654
Date	May 17, 2021
Instrument	2021R-042654

Lender

Name	FIRST COMMUNITY CU
Type	Credit Union
Address	CHESTERFIELD, MO 63005

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	179 Months
Due	Apr 1, 2036

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	115 SEA SIDE CT, O FALLON, MO 63368-6688
Document Number	0000068909
Instrument Date	Sep 11, 2020
Transaction Type	Mortgage
Record Updated	Nov 2, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	115 SEA SIDE CT O FALLON MO 633686688, O FALLON, MO 63368-6688

Mortgage

Document Number	0000068909
Date	Sep 17, 2020
Instrument	68909

Lender

Name	DAS ACQUISITION
Address	SAINT LOUIS, MO 63141

Agreement

Amount	Amount on Record
Term	360 Months
Due	Sep 16, 2050

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	115 SEA SIDE CT, O FALLON, MO 63368-6688
Document Number	0069661338
Instrument Date	Aug 16, 2018
Transaction Type	Mortgage
Record Updated	Sep 14, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	115 SEA SIDE CT O FALLON MO 633686688, O FALLON, MO 63368-6688

Mortgage

Document Number	0069661338
Date	Aug 22, 2018
Book Page	006966/001338
Instrument	480640

Lender

Name	HOME LOAN EXPERT LLC
Address	SAINT LOUIS, MO 63144

Agreement

Amount	Amount on Record
Term	360 Months
Due	Aug 21, 2048

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Mar 30, 2017
Property Address	115 SEA SIDE CT, O FALLON, MO 63368-6688
Document Number	0067192100
Book / Page	006719 / 002100
Instrument Date	Mar 28, 2017
Instrument	188990
Transaction Type	Transfer
Record Updated	Apr 21, 2017
Title Company	TITLE PARTNERS AGENCY LLC, TITLE PTRS AGCY LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	115 SEA SIDE CT O FALLON MO 633686688, O FALLON, MO 63368-6688

Mortgage

Document Number	67192102
Date	Mar 30, 2017
Book Page	006719/002102
Instrument	189000

Lender

Name	DAS ACQUISITION
Address	SAINT LOUIS, MO 63141

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 29, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 115 Sea Side Ct was $4,306.

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		$67,076 (-)	$353,029 (-) Building $353,029
2025	$4,306.00	$67,076	$353,029
2023		$62,845
2022			$330,762 Land $55,000 Building $275,762

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 115 Sea Side Ct in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2020.

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	3 in force
Nearby Flood Claims	1 (2020)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2020 · rainfall accumulation

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

Wildfire risk around 115 Sea Side Ct is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.2% 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 511 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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