1221 Cold Spring Dr, O Fallon, MO 63368 Property Records

St. Charles County property record for 1221 Cold Spring Dr, O Fallon, MO 63368 · Last verified March 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,120 sqft · built 2002
Lot Size	0.169 acres (7,405 sqft)
Owner	Owner Name on File
Last Sale	$213,615 (Apr 2003)
Tax Bill	$4,625 (2025)
Deeds & Mortgages	Sep 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`T032500190`

Property Details

APN / Parcel Number

Primary APN	`T032500190`
Alternative APN	`2-0126-8931-00-0027.0000000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,120 sqft Living Area
1st Floor Area	1,448 sqft
Basement Area	1,408 sqft
Fireplaces	1 Fireplace
Fireplace	2 Story

Exterior

Year Built	Built 2002
Architectural Style	Other
Exterior Material	Composition/Composite
Lot Area	7,405 sqft (0.169 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	45 sqft
Patio Area	336 sqft

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	T032500190
Old Parcel Number	T032500190
Street Address	1221 COLD SPRING DR
City	O FALLON
State	MO
Zip	63368-7992
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPRING ORCHARD #2 LOT 27
Legal Range	03E
Legal Township	46N
Legal Subdivision	SPRING ORCHARD #2
Legal Lot Number	27
Jurisdiction	ST CHARLES MO
Township / Civil Division	DARDENNE
Census Block Group	2
Census Block	2006
Census Tract	311739

Owner

Source: St. Charles County records · APN T032500190

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	Owner Name on File
Mailing Address	1221 COLD SPRING DR, O FALLON, MO 63368-7992
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 16, 2003 · Amount on Record
Deed Sale	Apr 16, 2003 · Amount on Record
Deed Document Number	0033561607
Deed Book / Page	3356 / 1607
Record Updated	Jun 08, 2026

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1221 COLD SPRING DR, O FALLON, MO 63368-7992
Transaction Type	Mortgage
Record Updated	Oct 04, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000614400
Date	Sep 29, 2017
Book Page	6815/1666
Instrument	20170929000614400

Lender

Name	PNC BANK NA
Type	Bank
Address	O FALLON, MO 63366

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	479 Months
Due	Aug 25, 2057

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: St. Charles County records · Assessment roll updated July 1, 2025 · Last verified March 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

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	$4,625.00	$72,096 (+4.82%)	$379,455 (+4.82%)
2023		$68,782
2022			$362,009 Land $40,002 Building $322,007

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Charles County (29183C), updated August 25, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 291833117392, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	1 in force

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 446 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
WH i3B Bidco LLC/WH i3B Topco	Fiber	8,000 / 8,000
Spectrum	Cable	1,000 / 1,000
Wisper ISP	Fixed Wireless	400 / 30
T-Mobile USA	Fixed Wireless	100 / 20
AT&T	Fixed Wireless	100 / 20

May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.