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1240 Cold Spring Dr, O Fallon, MO 63368 Property Records

St. Charles County property record for 1240 Cold Spring Dr, O Fallon, MO 63368 · Last verified June 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms4 Beds
Bathrooms3.5 Baths
Year BuiltBuilt 2003
Square Footage2,963 sqft Living Area
Lot Size7,405 sqft (0.17 acres)
OccupancyOwner Occupied
Last Sale$255,451 (2003)
Tax Bill$5,431.00 (2025)

Property Details

APN / Parcel Number

Primary APNT032500108
Alternative APN
  • 2-0126-8930-00-0086.0000000

Interior

Bedrooms4 Beds
Full Baths3.5 Baths
Partial Baths1 Partial Baths
Total Rooms9 Rooms
Building Area2,963 sqft Living Area
Gross Area4,771 sqft Gross Area
1st Floor2,963 sqft 1st Floor
Basement Area1,208 sqft Basement
Stories1 Stories
FireplaceFireplace
Fireplaces1 Fireplaces

Exterior

Year BuiltBuilt 2003
Effective Year BuiltEffective 2003
Architectural StyleRanch Style
Exterior MaterialBrick/Stone (Brick and/or Stone) Exterior
Lot Area7,405 sqft (0.17 acres)
Parking Spaces2 Parking Spaces
Garage TypeAttached Garage
Garage Area600 sqft Garage
Patio Area288 sqft Patio
PorchOpen Porch
Porch Area80 sqft Porch

Utilities and HVAC

Heating FuelGas Heating Fuel
SewageSewage Connected
Water SourceYes (Unknown Type) Water Source

Location & Zoning

Account NumberT032500108
Street Address1240 COLD SPRING DR
CityO FALLON
StateMO
Zip63368-7991
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionSPRING ORCHARD #1 LOT 86
Legal SubdivisionSPRING ORCHARD #1
Legal Lot Number86
JurisdictionST CHARLES MO
Minor Civil DivisionDARDENNE
Census Blockgroup2
Census Block2007
Census Tract311739

Owner

Source: St. Charles County records · APN T032500108

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

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

Owner of Record2 Individual Names on File
Mailing Address1240 COLD SPRING DR, O FALLON, MO 63368-7991
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
May 28, 2026Deed of Trust, Mortgage · Line of Credit
NAVY FEDERAL CREDIT UNION
Sep 20, 2022Deed of Trust, Mortgage · Stand Alone Second Mortgage
NAVY FCU
Jun 24, 2021Deed of Trust, Mortgage · Veterans Administration Mortgage
NAVY FCU
Jul 14, 2017Deed of Trust, Mortgage · Veterans Administration Mortgage
NAVY FCU

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleNov 13, 2003 · Amount on Record
Deed SaleNov 13, 2003 · Amount on Record
Deed Doc Number20031626650
Deed Book / Page3713 / 2547
Record RefreshedSep 20, 2026

May 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST CHARLES MO
Recording DateMay 28, 2026
Property Address1240 COLD SPRING DR, O FALLON, MO 63368-7991
Document Number0000025027
Instrument DateMay 19, 2026
Instrument202625027
Transaction TypeMortgage
Record UpdatedJul 12, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

NameVerified Name
Address1240 COLD SPRING DR, O FALLON, MO 63368-7991

Mortgage

Document Number0000025027,
DateMay 28, 2026
Instrument202625027
Lender
NameNAVY FEDERAL CREDIT UNION
Agreement
TypeLine of Credit
AmountAmount Recorded
Term481 Months
DueJun 01, 2066
Interest
Rate6.23%
Max Rate-1%

September 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST CHARLES MO
Property Address1240 COLD SPRING DR, O FALLON, MO 63368-7991
Transaction TypeMortgage
Record UpdatedOct 04, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address1240 COLD SPRING DR, O FALLON, MO 63368-7991

Mortgage

Document Number0000051655
DateSep 20, 2022
Instrument2022R-051655
Lender
NameNAVY FCU
TypeCredit Union
AddressVIENNA, VA 22180
Agreement
TypeStand Alone Second Mortgage
AmountAmount Recorded
Term60 Months
DueSep 01, 2027

June 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST CHARLES MO
Property Address1240 COLD SPRING DR, O FALLON, MO 63368-7991
Transaction TypeMortgage
Record UpdatedOct 04, 2022
Title CompanyINVESTORS TITLE COMPANY

Transferred To (Grantee/Buyer)

NameVerified Name
Address1240 COLD SPRING DR, O FALLON, MO 63368-7991

Mortgage

Document Number0000053151
DateJun 24, 2021
Instrument2021R-053151
Lender
NameNAVY FCU
TypeCredit Union
AddressVIENNA, VA 22180
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term361 Months
DueJul 01, 2051

July 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST CHARLES MO
Property Address1240 COLD SPRING DR, O FALLON, MO 63368-7991
Document Number0067790938
Book / Page006779 / 000938
Instrument DateJul 14, 2017
Transaction TypeMortgage
Record UpdatedJul 28, 2017

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address1240 COLD SPRING DR O FALLON MO 633687991, O FALLON, MO 63368-7991

Mortgage

Document Number0067790938
DateJul 24, 2017
Book Page006779/000938
Instrument456080
Lender
NameNAVY FCU
TypeCredit Union
AddressVIENNA, VA 22180
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term360 Months
DueJul 23, 2047

Tax Assessment & Valuation

Source: St. Charles County records · Assessment roll updated August 13, 2025 · Last verified June 2026

Property Jurisdictions

TypeName
StateMissouri
CountySt. Charles County
MunicipalityO'Fallon City
Unified School DistrictFort 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.

YearTax BillAssessed ValueAssessed Market Value
2025$5,431.00$84,782 (+6.23%)$446,221 (+6.23%) Land $60,002 Building $386,219
2023$79,807
2022$420,036 Land $40,002 Building $380,034

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