117 Cardow Dr, O Fallon, MO 63368 Property Records

St. Charles County property record for 117 Cardow Dr, O Fallon, MO 63368

Property Summary

Property Type	Condominium
Details	2 bd · 1.5 ba · 1,088 sqft · built 2021
Lot Size	0.047 acres (2,034 sqft)
Owner	Individual Name on Record
Last Sale	$269,900 (Dec 2023)
Tax Bill	$3,377 (2025)
Deeds & Mortgages	Dec 2023 Mortgage Oct 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`T222000233`

Property Details

APN / Parcel Number

Primary APN	`T222000233`
Alternative APN	`4-0036-D097-00-0166.0000000`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	1,088 sqft Living Area
Gross Area	1,632 sqft
1st Floor Area	544 sqft
Basement Area	544 sqft

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Lot Area	2,034 sqft (0.047 acres)
Parking Spaces	1 Parking Space

Location & Zoning

Account Number	T222000233
Street Address	117 CARDOW DR
City	O FALLON
State	MO
Zip	63368-5624
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	STREETS OF CALEDONIA #5 LOT 166
Legal Subdivision	STREETS OF CALEDONIA #5
Legal Lot Number	166
Jurisdiction	ST CHARLES MO
Township / Civil Division	BOONE
Census Block Group	2
Census Block	2010
Census Tract	312207

Owner

Source: St. Charles County records, as of September 10, 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 Record
Mailing Address	117 CARDOW DR, O FALLON, MO 63368-5624
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 26, 2023	Warranty Deed, Transfer · Conventional Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC
Oct 27, 2021	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage STIFEL BANK & TRUST

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 26, 2023 · Amount on Record
Deed Sale	Dec 26, 2023 · Amount on Record
Prior Sale	Dec 26, 2023 · Amount on Record
Deed Document Number	202351980
Prior Transfer Date	Dec 22, 2023
Prior Transfer Doc	0000051979
Record Updated	Oct 29, 2026

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Dec 26, 2023
Property Address	117 CARDOW DR, O FALLON, MO 63368-5624
Document Number	0000051980
Map Reference	DOC 2021R-055647
Instrument Date	Dec 22, 2023
Instrument	2023R-051980
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	INVESTORS TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5305 AMBS CT, SAINT LOUIS, MO 63128-3401

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	117 CARDOW DR, O FALLON, MO 63368-5624

Mortgage

Document Number	0000051981
Date	Dec 26, 2023
Instrument	2023R-051981

Lender

Name	ARK-LA-TEX FINANCIAL SERVICES LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2054

October 2021: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Oct 27, 2021
Property Address	117 CARDOW DR, O FALLON, MO 63368-5624
Document Number	0000089020
Map Reference	DOC 2021R-055647
Instrument Date	Oct 25, 2021
Instrument	2021R-089020
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 17, 2024
Title Company	SYNERGY TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3940 OLYMPIC BLVD STE 400, 400, EDGEWOOD, KY 41018-3593

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	117 CARDOW DR, O FALLON, MO 63368-5624

Mortgage

Document Number	0000089022
Date	Oct 27, 2021
Instrument	2021R-089022

Lender

Name	STIFEL BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

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	Wentzville R-IV School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$50,637 (-)	$266,513 (-) Building $266,513
2025	$3,377.00	$50,637 (+0.68%)	$266,513 (+0.68%)
2023		$50,293
2022			$264,703 Building $264,703

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Low lower than 80% of the US · lower than 84% of Missouri
Wildfire Likelihood	0.02% 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 157 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber · Cable in parts of the area	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30
Verizon Fixed Wireless	300 / 20

May also be available: Gateway Fiber, i3 Broadband, Sparklight, T-Mobile.

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