1226 Cold Spring Dr, O Fallon, MO 63368 Property Records

St. Charles County property record for 1226 Cold Spring Dr, O Fallon, MO 63368 · Last verified April 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	4 Beds
Bathrooms	3.5 Baths
Year Built	Built 2002
Square Footage	3,097 sqft Living Area
Lot Size	7,405 sqft (0.17 acres)
Occupancy	Owner Occupied
Last Sale	$268,800 (2021)
Tax Bill	$4,446.00 (2024)

Property Details

APN / Parcel Number

Primary APN	`T032500213`
Alternative APN	`2-0126-8931-00-0079.0000000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Partial Baths	1 Partial Baths
Total Rooms	8 Rooms
Building Area	3,097 sqft Living Area
Gross Area	3,925 sqft Gross Area
1st Floor	2,097 sqft 1st Floor
Basement Area	1,408 sqft Basement
Finished Basement	1,000 sqft Finished
Unfinished Basement	408 sqft Unfinished
Stories	1 Stories
Fireplace	Fireplace
Fireplaces	1 Fireplaces

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Ranch Style
Exterior Material	Brick/Stone (Brick and/or Stone) Exterior
Lot Area	7,405 sqft (0.17 acres)
Parking Spaces	2 Parking Spaces
Garage Type	Attached Garage
Garage Area	420 sqft Garage
Porch	Open Porch
Porch Area	80 sqft Porch

Utilities and HVAC

Heating Fuel	Gas Heating Fuel
Sewage	Sewage Connected
Water Source	Yes (Unknown Type) Water Source

Location & Zoning

Account Number	T032500213
Street Address	1226 COLD SPRING DR
City	O FALLON
State	MO
Zip	63368-7991
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	SPRING ORCHARD #2 LOT 79
Legal Subdivision	SPRING ORCHARD #2
Legal Lot Number	79
Jurisdiction	ST CHARLES MO
Minor Civil Division	DARDENNE
Census Blockgroup	2
Census Block	2007
Census Tract	311739

Owner

Source: St. Charles County records · APN T032500213

Assessment roll updated August 13, 2025 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	1226 COLD SPRING DR, O FALLON, MO 63368-7991
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Date	Document
Jul 12, 2018	Deed of Trust, Mortgage · Conventional Mortgage ASSOCIATED BANK NA
Mar 28, 2019	Deed of Trust, Mortgage · Line of Credit ASSOCIATED BANK NA
Oct 15, 2020	Deed of Trust, Mortgage · Veterans Administration Mortgage UNITED WHOLESALE MORTGAGE
Jul 13, 2021	Warranty Deed, Transfer · Conventional Mortgage FLAT BRANCH HOME LOANS INC
Apr 11, 2019	Warranty Deed, Transfer · Veterans Administration Mortgage UNITED WHOLESALE MORTGAGE
Apr 27, 2018	Intrafamily Transfer, Transfer · Conventional Mortgage ASSOCIATED BANK NA

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 13, 2021 · Amount on Record
Deed Sale	Jul 13, 2021 · Amount on Record
Prior Sale	Apr 11, 2019 · Amount on Record
Deed Doc Number	202158452
Prior Transfer Date	Jun 24, 2003
Prior Transfer Doc	0035100546
Record Refreshed	Jun 08, 2026

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1226 COLD SPRING DR, O FALLON, MO 63368-7991
Transaction Type	Mortgage
Record Updated	Oct 04, 2022
Title Company	KNIGHT BARRY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000394540
Date	Jul 12, 2018
Book Page	6947/1881
Instrument	20180712000394540

Lender

Name	ASSOCIATED BANK NA
Type	Bank
Address	GREEN BAY, WI 54304

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	358 Months
Due	May 01, 2048

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1226 COLD SPRING DR, O FALLON, MO 63368-7991
Transaction Type	Mortgage
Record Updated	Oct 04, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000137840
Date	Mar 28, 2019
Book Page	7052/0170
Instrument	20190328000137840

Lender

Name	ASSOCIATED BANK NA
Type	Bank
Address	GREEN BAY, WI 54301

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 20, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly (Revolving credit lines are monthly unless stated otherwise).

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1226 COLD SPRING DR, O FALLON, MO 63368-7991
Transaction Type	Mortgage
Record Updated	Oct 04, 2022
Title Company	TITLE PARTNERS AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000077817
Date	Oct 15, 2020
Instrument	2020R-077817

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Veterans Administration Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2050

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jul 13, 2021
Property Address	1226 COLD SPRING DR, O FALLON, MO 63368-7991
Document Number	0000058452
Map Reference	MB 38 PG 274
Instrument Date	Jul 08, 2021
Instrument	2021R-058452
Transaction Type	Transfer
Record Updated	Oct 04, 2022
Title Company	TITLE PARTNERS AGENCY LLC

Transaction

Tax	$0.00
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	420 SHADY RIVER DR, 420, O FALLON, MO 63366-1559

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1226 COLD SPRING DR, O FALLON, MO 63368-7991

Mortgage

Document Number	0000058453
Date	Jul 13, 2021
Instrument	2021R-058453

Lender

Name	FLAT BRANCH HOME LOANS INC
Type	Mortgage Company
Address	COLUMBIA, MO 65201

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 01, 2051

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Apr 11, 2019
Property Address	1226 COLD SPRING DR, O FALLON, MO 63368-7991
Document Number	0000163000
Book / Page	7057 / 2255
Map Reference	MB 38 PG 274
Instrument Date	Apr 08, 2019
Instrument	20190411000163000
Transaction Type	Transfer
Record Updated	Oct 04, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	108 THOREAU BLVD, 108, O FALLON, MO 63366-7443

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1226 COLD SPRING DR, O FALLON, MO 63368-7991

Mortgage

Document Number	0000163010
Date	Apr 11, 2019
Instrument	20190411000163010

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Veterans Administration Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2049

April 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Apr 27, 2018
Property Address	1226 COLD SPRING DR, O FALLON, MO 63368-7991
Document Number	0000228340
Book / Page	6910 / 1309
Map Reference	MB 38 PG 274
Instrument Date	Apr 12, 2018
Instrument	20180427000228340
Transaction Type	Transfer
Record Updated	Oct 04, 2022

Transaction

Tax	$0.00
Additional	Interfamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1637 COTTLEVILLE PKWY # 136, 1637, SAINT PETERS, MO 63376-3406

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1226 COLD SPRING DR, O FALLON, MO 63368-7991

Mortgage

Document Number	0000228350
Date	Apr 27, 2018
Instrument	20180427000228350

Lender

Name	ASSOCIATED BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2048

Tax Assessment & Valuation

Source: St. Charles County records · Assessment roll updated August 13, 2025 · Last verified April 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	$4,695.00 (+5.6%)	$73,201 (+8.78%)	$385,270 (+8.78%) Building $385,270
2024	$4,446.00
2023		$67,293
2022			$354,175 Land $40,002 Building $314,173

1226 Cold Spring Dr, O Fallon, MO 63368 Property Records

Property Highlights

Property Details

APN / Parcel Number

Interior

Exterior

Utilities and HVAC

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

July 2018: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

March 2019: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

October 2020: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

July 2021: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

April 2019: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

April 2018: Intrafamily Transfer, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

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