1161 Spring Orchard Dr, O Fallon, MO 63368 Property Records

St. Charles County property record for 1161 Spring Orchard Dr, O Fallon, MO 63368

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,240 sqft · built 2002
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on File
Last Sale	$275,000 (Sep 2019)
Tax Bill	$4,442 (2025)
Deeds & Mortgages	Aug 2020 Mortgage Sep 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`T032500093`

Property Details

APN / Parcel Number

Primary APN	`T032500093`
Alternative APN	`2-0126-8930-00-0050.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	3,240 sqft Living Area
Gross Area	3,868 sqft
1st Floor Area	1,740 sqft
Basement Area	1,708 sqft
Finished Basement	1,500 sqft
Unfinished Basement	208 sqft

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Ranch
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	60 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T032500093
Street Address	1161 SPRING ORCHARD DR
City	O FALLON
State	MO
Zip	63368-7987
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING ORCHARD #1 LOT 50
Legal Subdivision	SPRING ORCHARD #1
Legal Lot Number	50
Jurisdiction	ST CHARLES MO
Township / Civil Division	DARDENNE
Census Block Group	2
Census Block	2007
Census Tract	311739

Owner

1161 Spring Orchard Dr is owned and occupied by two individuals who bought it in September 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	1161 SPRING ORCHARD DR, O FALLON, MO 63368-7987
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Aug 3, 2020	Deed of Trust, Mortgage VANTAGE CU
Sep 6, 2019	Warranty Deed, Transfer GUARANTEED RATE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 6, 2019 · Amount on File
Deed Sale	Sep 6, 2019 · Amount on File
Prior Sale	Sep 6, 2019 · Amount on File
Deed Document Number	2019484210
Deed Book / Page	7138 / 149
Prior Transfer Date	Mar 12, 2019
Prior Transfer Doc	0000483650
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1161 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	0000550860
Date	Aug 3, 2020
Book Page	7361/1982
Instrument	20200803000550860

Lender

Name	VANTAGE CU
Type	Credit Union
Address	BRIDGETON, MO 63044

Agreement

Amount	Amount on Record
Term	179 Months
Due	Jul 24, 2035

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Sep 6, 2019
Property Address	1161 SPRING ORCHARD DR, O FALLON, MO 63368-7987
Document Number	0071380149
Book / Page	007138 / 000149
Instrument Date	Aug 30, 2019
Instrument	484210
Transaction Type	Transfer
Record Updated	Oct 4, 2019
Title Company	US TITLE

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	Tenants by the Entirety
Address	1161 SPRING ORCHARD DR O FALLON MO 633687987, O FALLON, MO 63368-7987

Mortgage

Document Number	71380151
Date	Sep 6, 2019
Book Page	007138/000151
Instrument	484220

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Amount	Amount on Record
Term	360 Months
Due	Sep 5, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 1161 Spring Orchard Dr was $4,442.

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		$69,224 (-)	$364,338 (-) Land $60,002 Building $304,336
2025	$4,442.00	$69,224	$364,338 Land $60,002 Building $304,336
2023		$68,530
2022			$360,685 Land $40,002 Building $320,683

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 1161 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

Wildfire risk around 1161 Spring Orchard Dr 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
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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