St. Charles County property record for 120 Cobble Rd, O Fallon, MO 63366
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,288 sqft · built 2018 |
| Lot Size | 0.142 acres (6,229 sqft) |
| Owner | Individual Name on File |
| Last Sale | $204,141 (Sep 2018) |
| Tax Bill | $3,337 (2025) |
| Deeds & Mortgages | Sep 2020 Mortgage Sep 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | T180300188 |
| Primary APN | T180300188 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,288 sqft Living Area |
| Basement Area | 1,276 sqft |
| Year Built | Built 2018 |
|---|---|
| Architectural Style | Ranch |
| Exterior Material | Composition/Composite |
| Lot Area | 6,229 sqft (0.142 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Sewer | Connected |
|---|
| Account Number | T180300188 |
|---|---|
| Street Address | 120 COBBLE RD |
| City | O FALLON |
| State | MO |
| Zip | 63366-4108 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | COBBLESTONE CROSSING #1 LOT 23C |
| Legal Range | 03E |
| Legal Township | 47N |
| Legal Subdivision | COBBLESTONE CROSSING #1 |
| Legal Lot Number | 23C |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | WENTZVILLE |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 311801 |
Source: St. Charles County records · APN T180300188
Assessment roll updated July 1, 2025 · Last verified March 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 120 COBBLE RD, O FALLON, MO 63366-4108 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 09, 2020 | Deed of Trust, Mortgage GUILD MTG |
| Sep 28, 2018 | Special Warranty Deed, Transfer · Conventional Mortgage BUSEY BANK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Sep 28, 2018 · Amount on Record |
| Deed Sale | Sep 28, 2018 · Amount on Record |
| Deed Document Number | 0069831060 |
| Deed Book / Page | 6983 / 1060 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 120 COBBLE RD, O FALLON, MO 63366-4108 |
| Document Number | 0000067724 |
| Instrument Date | Sep 09, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 28, 2020 |
| Title Company | TITLE PARTNERS AGENCY LLC, TITLE PTRS AGCY LLC |
| Name | Verified Name |
|---|---|
| Address | 120 COBBLE RD O FALLON MO 633664108, O FALLON, MO 63366-4108 |
| Document Number | 0000067724 |
|---|---|
| Date | Sep 14, 2020 |
| Instrument | 67724 |
| Name | GUILD MTG |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92111 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Sep 13, 2050 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Sep 28, 2018 |
| Property Address | 120 COBBLE RD, O FALLON, MO 63366-4108 |
| Document Number | 0069831060 |
| Book / Page | 6983 / 1060 |
| Map Reference | MB 49 PG 317 |
| Instrument Date | Sep 25, 2018 |
| Instrument | 20180928000556990 |
| Transaction Type | Transfer |
| Record Updated | Aug 09, 2021 |
| Title Company | DEPENDABLE TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount from Assessment |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 16091 SWINGLEY RIDGE RD # RD300, 16091, CHESTERFIELD, MO 63017-2005 |
| Name | Verified Name |
|---|---|
| Address | 120 COBBLE RD, O FALLON, MO 63366-4108 |
| Document Number | 20180928000557000 |
|---|---|
| Date | Sep 28, 2018 |
| Instrument | 20180928000557000 |
| Name | BUSEY BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2048 |
Source: St. Charles County records · Assessment roll updated July 1, 2025 · Last verified March 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | O'Fallon City |
| Unified School District | Fort Zumwalt R-II School District (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,337.00 | $51,832 (-0.37%) | $272,799 (-0.37%) Land $60,000 Building $212,799 |
| 2023 | $52,027 | ||
| 2022 | $273,824 Land $50,000 Building $223,824 |
Source: FEMA National Flood Hazard Layer as of August 25, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 9 (5% premium discount) |
| Nearby Flood Policies | 2 in force |
| Wildfire Risk | Low lower than 93% of the US · lower than 90% of Missouri |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Gateway Fiber Holdings Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: Brightspeed, Verizon, Wisper ISP.
Based on FCC filings for 283 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | OFALLON PWS serves 32,515 people |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Aug 2024 |
| Lead | 2 ppb (2023–2025) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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