St. Charles County property record for 1248 Cold Spring Dr, O Fallon, MO 63368 · Last verified March 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 2003 |
| Square Footage | 2,531 sqft Living Area |
| Lot Size | 7,405 sqft (0.169 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $260,000 (2016) |
| Tax Bill | $4,844.00 (2025) |
| Primary APN | T032500112 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Partial Baths | 1 Partial Baths |
| Total Rooms | 8 Rooms |
| Building Area | 2,531 sqft Living Area |
| 1st Floor | 1,579 sqft 1st Floor |
| Basement Area | 1,552 sqft Basement |
| Stories | 2 Stories |
| Fireplace | Single Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 2003 |
|---|---|
| Architectural Style | Other Style |
| Exterior Material | Brick/Stone (Brick and/or Stone) Exterior |
| Lot Area | 7,405 sqft (0.169 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached Garage |
| Patio Area | 144 sqft Patio |
| Porch | 1 Porch |
| Porch Area | 96 sqft Porch |
| Sewage | Sewage Connected |
|---|---|
| Water Source | Yes (Unknown Type) Water Source |
| Account Number | T032500112 |
|---|---|
| Old Parcel Number | T032500112 |
| Street Address | 1248 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 #1 LOT 90 |
| Legal Range | 03E |
| Legal Township | 46N |
| Legal Subdivision | SPRING ORCHARD #1 |
| Legal Lot Number | 90 |
| Jurisdiction | ST CHARLES MO |
| Minor Civil Division | DARDENNE |
| Census Blockgroup | 2 |
| Census Block | 2007 |
| Census Tract | 311739 |
Source: St. Charles County records · APN T032500112
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 | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 1248 COLD SPRING DR, O FALLON, MO 63368-7991 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Feb 01, 2021 | Deed of Trust, Mortgage · Veterans Administration Mortgage GUILD MORTGAGE CO |
| Aug 04, 2023 | Deed of Trust, Mortgage · Line of Credit ST JOHNS BANK & TRUST COMPANY |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 06, 2016 · Amount on Record |
| Deed Sale | Jul 06, 2016 · Amount on Record |
| Prior Sale | Mar 21, 2011 · Amount on Record |
| Deed Doc Number | 0065681724 |
| Deed Book / Page | 6568 / 1724 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 1248 COLD SPRING DR, O FALLON, MO 63368-7991 |
| Transaction Type | Mortgage |
| Record Updated | Sep 27, 2023 |
| Title Company | TITLE PARTNERS AGENCY LLC |
| Name | Verified Name |
|---|---|
| Address | 1248 COLD SPRING DR, O FALLON, MO 63368-7991 |
| Investor | Possibly a Property Investor |
| Document Number | 0000009240 |
|---|---|
| Date | Feb 01, 2021 |
| Instrument | 2021R-009240 |
| Name | GUILD MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92111 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 1248 COLD SPRING DR, O FALLON, MO 63368-7991 |
| Transaction Type | Mortgage |
| Record Updated | Sep 27, 2023 |
| Title Company | OLD REPUBLIC TITLE |
| Name | Verified Name |
|---|---|
| Address | 1248 COLD SPRING DR, O FALLON, MO 63368-7991 |
| Document Number | 0000031227 |
|---|---|
| Date | Aug 04, 2023 |
| Instrument | 2023R-031227 |
| Name | ST JOHNS BANK & TRUST COMPANY |
|---|---|
| Type | Bank |
| Address | 63314 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
Source: St. Charles County records · Assessment roll updated July 1, 2025 · Last verified March 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | O'Fallon City |
| Unified School District | Fort Zumwalt R-II School District (PK - 12) |
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 | $4,844.00 | $75,538 (+5.06%) | $397,568 (+5.06%) Land $60,002 Building $337,566 |
| 2023 | $71,902 | ||
| 2022 | $378,429 Land $40,002 Building $338,427 |
1248 Cold Spring Dr is in FEMA Zone X, outside the Special Flood Hazard Area, with no wildfire exposure.
Source: FEMA National Flood Hazard Layer · St. Charles County (29183C), updated August 25, 2024
| FEMA Flood Zone | Zone X minimal flood hazard · outside the 0.2% annual chance floodplain |
|---|---|
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020
| Wildfire Risk to Homes | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach of burnable land |
Values are read at the parcel center point; lenders make the official flood determination.
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