122 Keystone Ridge Dr, O Fallon, MO 63366 Property Records

St. Charles County property record for 122 Keystone Ridge Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,836 sqft · built 2019
Lot Size	0.207 acres (9,017 sqft)
Owner	Individual Name on File
Last Sale	$308,900 (Dec 2019)
Tax Bill	$4,771 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Dec 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`T180200119`

Property Details

APN / Parcel Number

Primary APN	`T180200119`
Alternative APN	`2-0048-C585-00-0072.0000000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,836 sqft Living Area
Basement Area	1,436 sqft

Exterior

Year Built	Built 2019
Exterior Material	Composition/Composite
Lot Area	9,017 sqft (0.207 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	T180200119
Street Address	122 KEYSTONE RIDGE DR
City	O FALLON
State	MO
Zip	63366-5092
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	KEYSTONE RIDGE LOT 72
Legal Range	02E
Legal Township	47N
Legal Subdivision	KEYSTONE RIDGE
Legal Lot Number	72
Jurisdiction	ST CHARLES MO
Township / Civil Division	WENTZVILLE
Census Block Group	3
Census Block	3085
Census Tract	312095

Owner

122 Keystone Ridge Dr is owned and occupied by an individual who bought it in December 2019.

Source: St. Charles County records, as of March 16, 2026

Owner of Record	Individual Name on File
Mailing Address	122 KEYSTONE RIDGE DR, O FALLON, MO 63366-5092
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
Mar 29, 2022	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Dec 11, 2019	Warranty Deed, Transfer BANK OF OLD MONROE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 11, 2019 · Amount on File
Deed Sale	Dec 11, 2019 · Amount on File
Deed Document Number	0071962450
Deed Book / Page	7196 / 2450
Record Updated	Jun 8, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	122 KEYSTONE RIDGE DR, O FALLON, MO 63366-5092
Transaction Type	Mortgage
Record Updated	Apr 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	122 KEYSTONE RIDGE DR, O FALLON, MO 63366-5092

Mortgage

Document Number	0000017987
Date	Mar 29, 2022
Instrument	2022R-017987

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	2.75%
Type Change Date	Apr 1, 2027
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	4.75%
Index	Other
Max Rate	7.75%

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Dec 11, 2019
Property Address	122 KEYSTONE RIDGE DR, O FALLON, MO 63366-5092
Document Number	0071962450
Book / Page	007196 / 002450
Instrument Date	Dec 9, 2019
Instrument	710900
Transaction Type	Transfer
Record Updated	Jan 22, 2020
Title Company	TITLE PARTNERS AGENCY LLC, TITLE PTRS AGCY LLC

Transaction

Amount	Amount on Record
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
Address	122 KEYSTONE RIDGE DR O FALLON MO 633665092, O FALLON, MO 63366-5092

Mortgage

Document Number	71962454
Date	Dec 11, 2019
Book Page	007196/002454
Instrument	710920

Lender

Name	BANK OF OLD MONROE
Type	Bank
Address	OLD MONROE, MO 63369

Agreement

Amount	Amount on Record
Term	360 Months
Due	Dec 10, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 122 Keystone Ridge Dr was $4,771.

Source: St. Charles County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Municipality	O'Fallon City
Unified School District	Wentzville R-IV School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,771.00	$76,553	$402,907 Land $50,000 Building $352,907
2023		$81,551
2022			$429,219 Land $50,000 Building $379,219

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 Ridge Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2022.

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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (2022)
Most Recent Claim	Jul 2022 · Severe Storms And Flooding

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 Ridge Dr is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 65% of the US · lower than 75% of Missouri
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 337 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Brightspeed Fiber	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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