St. Charles County property record for 1243 Rock Spring Dr, O Fallon, MO 63366
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,795 sqft · built 1997 |
| Lot Size | 0.32 acres (13,939 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $145,882 (Aug 1997) |
| Tax Bill | $4,319 (2024) |
| Deeds & Mortgages | Sep 2022 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | A972000043 |
| Primary APN | A972000043 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,795 sqft Living Area |
| Gross Area | 4,192 sqft |
| 1st Floor Area | 1,795 sqft |
| Basement Area | 1,777 sqft |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Lot Area | 13,939 sqft (0.32 acres) |
| Garage Type | Attached |
| Garage Area | 620 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 108 sqft |
| Deck Area | Deck Area |
| Patio Area | 478 sqft |
| Heating Fuel | Gas |
|---|---|
| Sewer | Connected |
| Account Number | A972000043 |
|---|---|
| Street Address | 1243 ROCK SPRING DR |
| City | O FALLON |
| State | MO |
| Zip | 63366-5580 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AE9 |
| Legal Description | GLENMARO #1 LOT 166 |
| Legal Subdivision | GLENMARO #1 |
| Legal Lot Number | 166 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | WELDON SPRING |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 311737 |
1243 Rock Spring Dr is owner-occupied and held in a trust since February 2005.
Source: St. Charles County records, as of August 7, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 1243 ROCK SPRING DR, O FALLON, MO 63366-5580 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Living Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 28, 1997 · Amount on File |
| Deed Sale | Aug 28, 1997 · Amount on File |
| Deed Document Number | 199748124 |
| Deed Book / Page | 1973 / 281 |
| Last Transfer Date | Feb 24, 2005 |
| Transfer Doc | 0041100639 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 1243 ROCK SPRING DR, O FALLON, MO 63366-5580 |
| Transaction Type | Mortgage |
| Record Updated | Oct 4, 2022 |
| Name | Verified Name |
|---|---|
| Address | 1243 ROCK SPRING DR, O FALLON, MO 63366-5580 |
| Document Number | 0000051860 |
|---|---|
| Date | Sep 20, 2022 |
| Instrument | 2022R-051860 |
| Name | COMMERCE BANK |
|---|---|
| Type | Bank |
| Address | KANSAS CITY, MO 64106 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Sep 12, 2032 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | O'Fallon City |
| Unified School District | Fort Zumwalt R-II School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $69,250 (-) | $364,471 (-) Land $65,000 Building $299,471 | |
| 2025 | $69,250 | $364,471 Land $65,000 Building $299,471 | |
| 2024 | $4,319.00 | ||
| 2023 | $65,351 | ||
| 2022 | $343,952 Land $45,000 Building $298,952 |
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.
FEMA maps place 1243 Rock Spring Dr in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective August 25, 2024
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 1243 Rock Spring 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 97% of the US · lower than 95% of Missouri |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 357 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Gateway Fiber Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Wisper ISP Fixed Wireless | 400 / 30 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: Brightspeed.
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