116 Keystone Ridge Dr, O Fallon, MO 63366 Property Records

St. Charles County property record for 116 Keystone Ridge Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,768 sqft · built 2020
Lot Size	0.207 acres (8,999 sqft)
Owner	2 Individual Names on File
Last Sale	$313,654 (Apr 2020)
Tax Bill	$4,797 (2025)
Deeds & Mortgages	Jul 2026 Transfer Sep 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T180200122`

Property Details

APN / Parcel Number

Primary APN	`T180200122`
Alternative APN	`2-0048-C585-00-0075.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,768 sqft Living Area
Gross Area	4,170 sqft
1st Floor Area	1,402 sqft
Basement Area	1,402 sqft

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Lot Area	8,999 sqft (0.207 acres)
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	T180200122
Street Address	116 KEYSTONE RIDGE DR
City	O FALLON
State	MO
Zip	63366-5092
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	KEYSTONE RIDGE LOT 75
Legal Subdivision	KEYSTONE RIDGE
Legal Lot Number	75
Jurisdiction	ST CHARLES MO
Township / Civil Division	WENTZVILLE
Census Block Group	3
Census Block	3085
Census Tract	312095

Owner

116 Keystone Ridge Dr is owned and occupied by two individuals who acquired it in July 2026.

Source: St. Charles County records, as of August 11, 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 File
Mailing Address	116 KEYSTONE RIDGE DR, O FALLON, MO 63366-5092
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 31, 2026	Transfer on Death Deed, Transfer NONE LISTED ON DOCUMENT
Sep 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Apr 24, 2020	Warranty Deed, Transfer QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 24, 2020 · Amount on File
Deed Sale	Apr 24, 2020 · Amount on File
Deed Document Number	2020258620
Deed Book / Page	7278 / 984
Last Transfer Date	Jul 31, 2026
Transfer Doc	0000036153
Record Updated	Sep 20, 2026

July 2026: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jul 31, 2026
Property Address	116 KEYSTONE RIDGE DR, O FALLON, MO 63366-5092
Document Number	0000036153
Instrument Date	Jul 31, 2026
Instrument	202636153
Transaction Type	Transfer
Record Updated	Aug 31, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	116 KEYSTONE RIDGE DR, O FALLON, MO 63366-5092
Transaction Type	Mortgage
Record Updated	Sep 29, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	116 KEYSTONE RIDGE DR, O FALLON, MO 63366-5092

Mortgage

Document Number	2021R075560
Date	Sep 9, 2021
Instrument	2021R-075560

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Oct 1, 2041

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Apr 24, 2020
Property Address	116 KEYSTONE RIDGE DR, O FALLON, MO 63366-5092
Document Number	0072780984
Book / Page	007278 / 000984
Instrument Date	Apr 23, 2020
Instrument	258620
Transaction Type	Transfer
Record Updated	Jul 8, 2020
Title Company	TITLE PARTNERS AGENCY LLC, TITLE PTRS AGCY LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	116 KEYSTONE RIDGE DR O FALLON MO 633665092, O FALLON, MO 63366-5092

Mortgage

Document Number	72780986
Date	Apr 24, 2020
Book Page	007278/000986
Instrument	258630

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Amount	Amount on Record
Term	360 Months
Due	Apr 23, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 116 Keystone Ridge Dr was $4,797.

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	Wentzville R-IV School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$76,980 (-)	$405,157 (-) Land $50,000 Building $355,157
2025	$4,797.00	$76,980	$405,157 Land $50,000 Building $355,157
2023		$68,110
2022			$358,475 Land $50,000 Building $308,475

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 116 Keystone Ridge Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2022.

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 6 (20% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (2022)
Most Recent Claim	Jul 2022 · Severe Storms And Flooding

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 116 Keystone Ridge Dr is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 65% of the US · lower than 75% of Missouri
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 337 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Brightspeed Fiber	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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