St. Charles County property record for 1217 Cold Spring Dr, O Fallon, MO 63368 · Last verified March 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 2004 |
| Square Footage | 2,856 sqft Living Area |
| Lot Size | 7,405 sqft (0.169 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $284,950 (2014) |
| Tax Bill | $5,375.00 (2025) |
| Primary APN | T032500188 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Partial Baths | 1 Partial Baths |
| Total Rooms | 9 Rooms |
| Building Area | 2,856 sqft Living Area |
| 1st Floor | 1,640 sqft 1st Floor |
| Basement Area | 1,216 sqft Basement |
| Stories | 2 Stories |
| Fireplace | 2 Story Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 2004 |
|---|---|
| Architectural Style | Other Style |
| Exterior Material | Brick/Stone (Brick and/or Stone) Exterior |
| Lot Area | 7,405 sqft (0.169 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached Garage |
| Patio Area | 200 sqft Patio |
| Porch | 1 Porch |
| Porch Area | 66 sqft Porch |
| Sewage | Sewage Connected |
|---|---|
| Water Source | Yes (Unknown Type) Water Source |
| Account Number | T032500188 |
|---|---|
| Old Parcel Number | T032500188 |
| Street Address | 1217 COLD SPRING DR |
| City | O FALLON |
| State | MO |
| Zip | 63368-7992 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | SPRING ORCHARD #2 LOT 25 |
| Legal Range | 03E |
| Legal Township | 46N |
| Legal Subdivision | SPRING ORCHARD #2 |
| Legal Lot Number | 25 |
| Jurisdiction | ST CHARLES MO |
| Minor Civil Division | DARDENNE |
| Census Blockgroup | 2 |
| Census Block | 2006 |
| Census Tract | 311739 |
Source: St. Charles County records · APN T032500188
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 |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 1217 COLD SPRING DR, O FALLON, MO 63368-7992 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Apr 18, 2023 | Deed of Trust, Mortgage · Line of Credit COMMERCE BANK |
| Aug 03, 2020 | Deed of Trust, Mortgage · Conventional Mortgage COMMERCE BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 08, 2014 · Amount on Record |
| Deed Sale | Apr 08, 2014 · Amount on Record |
| Prior Sale | Jun 18, 2012 |
| Deed Doc Number | 0061721877 |
| Deed Book / Page | 6172 / 1877 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 1217 COLD SPRING DR, O FALLON, MO 63368-7992 |
| Transaction Type | Mortgage |
| Record Updated | May 02, 2023 |
| Name | Verified Name |
|---|---|
| Address | 1217 COLD SPRING DR, O FALLON, MO 63368-7992 |
| Document Number | 0000014524 |
|---|---|
| Date | Apr 18, 2023 |
| Instrument | 2023R-014524 |
| Name | COMMERCE BANK |
|---|---|
| Type | Bank |
| Address | KANSAS CITY, MO 64106 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Apr 11, 2033 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 1217 COLD SPRING DR, O FALLON, MO 63368-7992 |
| Transaction Type | Mortgage |
| Record Updated | Oct 04, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000549500 |
|---|---|
| Date | Aug 03, 2020 |
| Book Page | 7361/791 |
| Instrument | 20200803000549500 |
| Name | COMMERCE BANK |
|---|---|
| Type | Bank |
| Address | KANSAS CITY, MO 64106 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Sep 01, 2035 |
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 | $5,375.00 | $83,901 (+4.86%) | $441,586 (+4.86%) Land $60,002 Building $381,584 |
| 2023 | $80,015 | ||
| 2022 | $421,131 Land $40,002 Building $381,129 |
1217 Cold Spring Dr is in FEMA Zone X, outside the Special Flood Hazard Area, with no wildfire exposure.
Source: FEMA National Flood Hazard Layer · St. Charles County (29183C), updated August 25, 2024
| FEMA Flood Zone | Zone X minimal flood hazard · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach of burnable land |
Values are read at the parcel center point; lenders make the official flood determination.
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