1180 Villa Flora Dr, O Fallon, MO 63366 Property Records

St. Charles County property record for 1180 Villa Flora Dr, O Fallon, MO 63366

Property Summary

Property Type	Condominium
Details	1 bd · 3 ba · 2,552 sqft · built 1999
Lot Size	0.07 acres (3,049 sqft)
Owner	2 Individual Names on File
Last Sale	$245,000 (Nov 2018)
Tax Bill	$3,970 (2025)
Deeds & Mortgages	Oct 2023 Sale Jan 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`T000300239`

Property Details

APN / Parcel Number

Primary APN	`T000300239`
Alternative APN	`2-0104-8298-00-038B.0000000`

Interior

Bedrooms	1 Bed
Full Baths	3 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	2,552 sqft Living Area
Gross Area	3,444 sqft
1st Floor Area	1,496 sqft
Basement Area	1,464 sqft
Finished Basement	1,056 sqft
Unfinished Basement	408 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Spanish
Exterior Material	Brick/Stone
Lot Area	3,049 sqft (0.07 acres)
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	24 sqft
Patio Area	216 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T000300239
Street Address	1180 VILLA FLORA DR
City	O FALLON
State	MO
Zip	63366-4443
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	VILLA CROSSING #1 RESUB 38 UNIT 38B
Legal Subdivision	VILLA CROSSING #1 RESUB 38
Legal Lot Number	38B
Jurisdiction	ST CHARLES MO
Township / Civil Division	O'FALLON
Census Block Group	5
Census Block	5001
Census Tract	311602

Owner

1180 Villa Flora Dr, a condominium, is owned and occupied by two individuals who bought it in November 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	1180 VILLA FLORA DR, O FALLON, MO 63366-4443
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
Oct 16, 2023	Beneficiary Deed, Transfer
Jan 19, 2021	Deed of Trust, Mortgage FLAT BR MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 1, 2018 · Amount on File
Deed Sale	Nov 1, 2018 · Amount on File
Prior Sale	Aug 18, 2011 · Amount on File
Deed Document Number	2018623760
Deed Book / Page	6998 / 1
Prior Transfer Date	Feb 27, 2009
Prior Transfer Doc	0000305670
Record Updated	Sep 20, 2026

October 2023: Beneficiary Deed, Transfer

Document Type	Beneficiary Deed
Jurisdiction	ST CHARLES MO
Recording Date	Oct 16, 2023
Property Address	1180 VILLA FLORA DR, O FALLON, MO 63366-4443
Document Number	0000042602
Map Reference	MB 36 PG 146
Instrument Date	Oct 11, 2023
Instrument	2023R-042602
Transaction Type	Transfer
Record Updated	Feb 15, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1180 VILLA FLORA DR, O FALLON, MO 63366-4443

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1180 VILLA FLORA DR, O FALLON, MO 63366-4443

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1180 VILLA FLORA DR, O FALLON, MO 63366-4443
Document Number	0000007143
Instrument Date	Jan 19, 2021
Transaction Type	Mortgage
Record Updated	Apr 1, 2021
Title Company	TITLE PARTNERS AGENCY LLC, TITLE PTRS AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1180 VILLA FLORA DR #38B O FALLON MO 633664443, 38B, O FALLON, MO 63366-4443

Mortgage

Document Number	0000007143
Date	Jan 25, 2021
Instrument	7143

Lender

Name	FLAT BR MTG
Type	Mortgage Company
Address	COLUMBIA, MO 65201

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jan 24, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 1180 Villa Flora Dr was $3,970.

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		$61,792 (-)	$325,223 (-) Building $325,223
2025	$3,970.00	$61,792	$325,223
2023		$57,762 (+19.39%)
2022	$3,444.00	$48,382	$304,013 (+19.39%) Building $304,013
2021			$254,645

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 1180 Villa Flora 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	5 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 1180 Villa Flora Dr is low, with 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 95% of the US · lower than 93% of Missouri
Wildfire Likelihood	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	OFALLON PWS serves 32,515 people · EPA ID MO6010588
Water Source	Purchased surface water from several systems
Last State Inspection	Aug 2024
Lead	2 ppb (2023–2025) 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 527 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Gateway Fiber Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Wisper ISP.

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