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

St. Charles County property record for 123 Keystone Crossing Dr, O Fallon, MO 63368

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,896 sqft · built 1998
Lot Size	0.28 acres (12,197 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,934 (2025)
Deeds & Mortgages	May 2023 Line of Credit Jan 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`T991700067`

Property Details

APN / Parcel Number

Primary APN	`T991700067`
Alternative APN	`4-0036-7966-00-0123.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,896 sqft Living Area
Gross Area	3,302 sqft
1st Floor Area	1,042 sqft
Basement Area	1,006 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Lot Area	12,197 sqft (0.28 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	170 sqft
Deck Area	Deck Area
Patio Area	938 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T991700067
Street Address	123 KEYSTONE CROSSING DR
City	O FALLON
State	MO
Zip	63368-6778
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	KEYSTONE CROSSING #1 LOT 123
Legal Subdivision	KEYSTONE CROSSING #1
Legal Lot Number	123
Jurisdiction	ST CHARLES MO
Township / Civil Division	LAKE ST. LOUIS
Census Block Group	1
Census Block	1012
Census Tract	311153

Owner

123 Keystone Crossing Dr is owned and occupied by two individuals who acquired it in December 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	123 KEYSTONE CROSSING DR, O FALLON, MO 63368-6778
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
May 17, 2023	Deed of Trust, Mortgage · Line of Credit US BANK NA
Jan 4, 2022	Deed of Trust, Mortgage · Conventional Mortgage JLB CORP
Feb 26, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Dec 17, 2018	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 17, 2018
Deed Sale	Dec 17, 2018
Prior Sale	Apr 25, 2017
Deed Document Number	2018700860
Deed Book / Page	7015 / 357
Record Updated	Oct 29, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	123 KEYSTONE CROSSING DR, O FALLON, MO 63368-6778
Transaction Type	Mortgage
Record Updated	Aug 16, 2023
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	123 KEYSTONE CROSSING DR, O FALLON, MO 63368-6778

Mortgage

Document Number	0000018748
Date	May 17, 2023
Instrument	2023R-018748

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	May 17, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	123 KEYSTONE CROSSING DR, O FALLON, MO 63368-6778
Transaction Type	Mortgage
Record Updated	Aug 16, 2023
Title Company	CLEAR TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	123 KEYSTONE CROSSING DR, O FALLON, MO 63368-6778

Mortgage

Document Number	0000000773
Date	Jan 4, 2022
Instrument	2022R-000773

Lender

Name	JLB CORP
Type	Mortgage Company
Address	SAINT LOUIS, MO 63146

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2052

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	123 KEYSTONE CROSSING DR, O FALLON, MO 63368-6778
Transaction Type	Mortgage
Record Updated	Aug 16, 2023
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	123 KEYSTONE CROSSING DR, O FALLON, MO 63368-6778

Mortgage

Document Number	0000017284
Date	Feb 26, 2021
Instrument	2021R-017284

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	349 Months
Due	Mar 1, 2050

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Dec 17, 2018
Property Address	123 KEYSTONE CROSSING DR, O FALLON, MO 63368-6778
Document Number	0070150357
Book / Page	007015 / 000357
Instrument Date	Nov 28, 2018
Instrument	700860
Transaction Type	Transfer
Record Updated	Jan 7, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	123 KEYSTONE CROSSING DR O FALLON MO 633686778, O FALLON, MO 63368-6778

Tax Assessment & Valuation

The 2025 property tax bill for 123 Keystone Crossing Dr was $3,934.

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		$63,364 (-)	$333,497 (-) Land $70,000 Building $263,497
2025	$3,934.00	$63,364	$333,497 Land $70,000 Building $263,497
2023		$61,040 (+17.08%)
2022	$3,569.00	$52,137	$321,265 (+17.08%) Building $321,265
2021			$274,407

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 123 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 123 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.

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