122 Keystone Crossing Dr, O Fallon, MO 63368 Property Records

St. Charles County property record for 122 Keystone Crossing Dr, O Fallon, MO 63368

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,493 sqft · built 1999
Lot Size	0.22 acres (9,583 sqft)
Owner	2 Individual Names on File
Last Sale	$224,900 (Jul 2020)
Tax Bill	$3,678 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Jul 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`T991700047`

Property Details

APN / Parcel Number

Primary APN	`T991700047`
Alternative APN	`4-0036-7966-00-0024.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,493 sqft Living Area
Gross Area	3,480 sqft
1st Floor Area	1,493 sqft
Basement Area	1,483 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	9,583 sqft (0.22 acres)
Garage Type	Attached
Garage Area	504 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	277 sqft
Patio Area	180 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T991700047
Street Address	122 KEYSTONE CROSSING DR
City	O FALLON
State	MO
Zip	63368-6775
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	KEYSTONE CROSSING #1 LOT 24
Legal Subdivision	KEYSTONE CROSSING #1
Legal Lot Number	24
Jurisdiction	ST CHARLES MO
Township / Civil Division	LAKE ST. LOUIS
Census Block Group	1
Census Block	1013
Census Tract	311153

Owner

122 Keystone Crossing Dr is owned and occupied by two individuals who bought it in July 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	122 KEYSTONE CROSSING DR, O FALLON, MO 63368-6775
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
Sep 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage GERSHMAN INVESTMENT CORP
Jul 2, 2020	Special Warranty Deed, Transfer · Conventional Mortgage GERSHMAN INVESTMENT CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 2, 2020 · Amount on File
Deed Sale	Jul 2, 2020 · Amount on File
Prior Sale	Nov 16, 2006 · Amount on File
Deed Document Number	2020456520
Deed Book / Page	7335 / 1090
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	122 KEYSTONE CROSSING DR, O FALLON, MO 63368-6775
Transaction Type	Mortgage
Record Updated	Oct 6, 2021
Title Company	INVESTORS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	122 KEYSTONE CROSSING DR, O FALLON, MO 63368-6775

Mortgage

Document Number	2021R079804
Date	Sep 23, 2021
Instrument	2021R-079804

Lender

Name	GERSHMAN INVESTMENT CORP
Type	Mortgage Company
Address	CHESTERFIELD, MO 63017

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

July 2020: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jul 2, 2020
Property Address	122 KEYSTONE CROSSING DR, O FALLON, MO 63368-6775
Document Number	0073351090
Book / Page	7335 / 1090
Map Reference	MB 35 PG 52
Instrument Date	Jun 26, 2020
Instrument	20200702000456520
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	INVESTORS TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	488 BOARDWALK SPRINGS PL, 488, O FALLON, MO 63368-3993

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	122 KEYSTONE CROSSING DR, O FALLON, MO 63368-6775
Investor	Possibly a Property Investor

Mortgage

Document Number	20200702000456530
Date	Jul 2, 2020
Instrument	20200702000456530

Lender

Name	GERSHMAN INVESTMENT CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 122 Keystone Crossing Dr was $3,678.

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

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Unified School District	Wentzville R-IV School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$59,199 (-)	$311,575 (-) Land $70,000 Building $241,575
2025	$3,678.00	$59,199	$311,575 Land $70,000 Building $241,575
2023		$52,820
2022			$278,001 Land $60,000 Building $218,001

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 122 Keystone Crossing Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2006.

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 Claims	2 (2006–2008)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Sep 2008 · Severe Storms, Flooding, And A Tornado

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 122 Keystone Crossing Dr is low, with less than 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 98% of the US · lower than 96% of Missouri
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 353 locations within half a mile, as of December 31, 2025

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

May also be available: AT&T, Brightspeed, Gateway Fiber, i3 Broadband, Verizon.

Nearby Properties on Keystone Crossing Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures