1177 Spring Orchard Dr, O Fallon, MO 63368 Property Records

St. Charles County property record for 1177 Spring Orchard Dr, O Fallon, MO 63368

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,448 sqft · built 2005
Lot Size	0.29 acres (12,632 sqft)
Owner	2 Individual Names on Record
Last Sale	$240,000 (May 2018)
Tax Bill	$3,623 (2025)
Deeds & Mortgages	Apr 2020 Mortgage May 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`T032500234`

Property Details

APN / Parcel Number

Primary APN	`T032500234`
Alternative APN	`2-0126-8931-00-0138.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,448 sqft Living Area
Gross Area	3,272 sqft
1st Floor Area	1,448 sqft
Basement Area	1,404 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Ranch
Exterior Material	Brick/Stone
Lot Area	12,632 sqft (0.29 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	64 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T032500234
Street Address	1177 SPRING ORCHARD DR
City	O FALLON
State	MO
Zip	63368-7905
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING ORCHARD #2 LOT 138
Legal Subdivision	SPRING ORCHARD #2
Legal Lot Number	138
Jurisdiction	ST CHARLES MO
Township / Civil Division	DARDENNE
Census Block Group	3
Census Block	3003
Census Tract	311739

Owner

Source: St. Charles County records, as of August 7, 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	1177 SPRING ORCHARD DR, O FALLON, MO 63368-7905
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage DELMAR FINANCIAL CO
May 18, 2018	Warranty Deed, Transfer F&B ACQUISITION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 18, 2018 · Amount on Record
Deed Sale	May 18, 2018 · Amount on Record
Prior Sale	Aug 23, 2005 · Amount on Record
Deed Document Number	2018277110
Deed Book / Page	6921 / 813
Prior Transfer Date	May 20, 2009
Prior Transfer Doc	0000504270
Record Updated	Oct 29, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1177 SPRING ORCHARD DR, O FALLON, MO 63368-7905
Transaction Type	Mortgage
Record Updated	Oct 4, 2022
Title Company	INVESTORS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000248790
Date	Apr 21, 2020
Book Page	7275/507
Instrument	20200421000248790

Lender

Name	DELMAR FINANCIAL CO
Type	Funding / Finance Company
Address	SAINT LOUIS, MO 63141

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	May 18, 2018
Property Address	1177 SPRING ORCHARD DR, O FALLON, MO 63368-7905
Document Number	0069210813
Book / Page	006921 / 000813
Instrument Date	May 15, 2018
Instrument	277110
Transaction Type	Transfer
Record Updated	Jun 26, 2018

Transaction

Amount	Amount Recorded
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	1177 SPRING ORCHARD DR O FALLON MO 633687905, O FALLON, MO 63368-7905

Mortgage

Document Number	69210815
Date	May 18, 2018
Book Page	006921/000815
Instrument	277120

Lender

Name	F&B ACQUISITION
Address	SAINT LOUIS, MO 63105

Agreement

Amount	Amount Recorded
Term	360 Months
Due	May 17, 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		$56,340 (-)	$296,527 (-) Land $60,002 Building $236,525
2025	$3,623.00	$56,340 (+2.14%)	$296,527 (+2.14%) Land $60,002 Building $236,525
2023		$55,162
2022			$290,326 Land $40,002 Building $250,324

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 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

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

Wildfire Risk	Low lower than 98% of the US · lower than 96% 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 233 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Wisper ISP.

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