1252 Lydia Ln, O Fallon, MO 63366 Property Records

St. Charles County property record for 1252 Lydia Ln, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,324 sqft · built 1998
Lot Size	3.21 acres (140,263 sqft)
Owner	2 Individual Names on File
Last Sale	$433,800 (Apr 2016)
Tax Bill	$6,067 (2025)
Deeds & Mortgages	Jul 2026 Transfer Mar 2023 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`A892000039`

Property Details

APN / Parcel Number

Primary APN	`A892000039`
Alternative APN	`2-0032-6372-00-0014.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,324 sqft Living Area
Gross Area	5,520 sqft
1st Floor Area	2,324 sqft
Basement Area	2,312 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Ranch
Exterior Material	Brick/Stone
Lot Area	140,263 sqft
Garage Type	Attached
Garage Area	884 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	132 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	A892000039
Street Address	1252 LYDIA LN
City	O FALLON
State	MO
Zip	63366-1041
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SIGMUND FARM EST #2 LOT 14
Legal Subdivision	SIGMUND FARM EST #2
Legal Lot Number	14
Jurisdiction	ST CHARLES MO
Township / Civil Division	WENTZVILLE
Census Block Group	2
Census Block	2002
Census Tract	311801

Owner

1252 Lydia Ln is owned and occupied by two individuals who acquired it in July 2026.

Source: St. Charles County records, as of August 11, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1252 LYDIA LN, O FALLON, MO 63366-1041
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
Jul 29, 2026	Transfer on Death Deed, Transfer NONE LISTED ON DOCUMENT
Mar 13, 2023	Deed of Trust, Mortgage · Line of Credit STIFEL BANK & TRUST
Mar 13, 2023	Beneficiary Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 26, 2016 · Amount on File
Deed Sale	Apr 26, 2016 · Amount on File
Prior Sale	Oct 6, 2005 · Amount on File
Deed Document Number	2016250480
Deed Book / Page	6528 / 508
Last Transfer Date	Jul 23, 2026
Transfer Doc	0000035628
Record Updated	Sep 20, 2026

July 2026: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jul 29, 2026
Property Address	1252 LYDIA LN, O FALLON, MO 63366-1041
Document Number	0000035628
Instrument Date	Jul 23, 2026
Instrument	202635628
Transaction Type	Transfer
Record Updated	Aug 31, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1252 LYDIA LN, O FALLON, MO 63366-1041

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1252 LYDIA LN, O FALLON, MO 63366-1041
Transaction Type	Mortgage
Record Updated	Mar 27, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1252 LYDIA LN, O FALLON, MO 63366-1041

Mortgage

Document Number	0000009134
Date	Mar 13, 2023
Instrument	2023R-009134

Lender

Name	STIFEL BANK & TRUST
Type	Bank
Address	SAINT LOUIS, MO 63141

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Mar 15, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2023: Beneficiary Deed, Transfer

Document Type	Beneficiary Deed
Jurisdiction	ST CHARLES MO
Recording Date	Mar 13, 2023
Property Address	1252 LYDIA LN, O FALLON, MO 63366-1041
Document Number	0000009182
Map Reference	MB 25 PG 121
Instrument Date	Feb 23, 2023
Instrument	2023R-009182
Transaction Type	Transfer
Record Updated	Mar 27, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2422 DUNHEATH LN, O FALLON, MO 63368-7230

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	11000 BAYWOOD TER, SAINT LOUIS, MO 63126-3406

Tax Assessment & Valuation

The 2025 property tax bill for 1252 Lydia Ln was $6,067, up 7.8% from the year before.

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

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Municipality	St. Paul City
Unified School District	Fort Zumwalt R-II School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$119,725 (+20.31%)	$630,138 (+20.31%) Land $120,750 Building $509,388
2025	$6,067.00 (+7.78%)	$99,515	$523,768 Land $120,750 Building $403,018
2024	$5,629.00
2023		$89,771
2022			$472,485 Land $120,750 Building $351,735

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.

Flood

FEMA maps place 1252 Lydia Ln in Zone X, an area of minimal flood risk.

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
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	2 in force

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 1252 Lydia Ln is low, with a 0.06% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 62% of the US · lower than 67% of Missouri
Wildfire Likelihood	0.06% 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 PAUL PWS serves 1,700 people · EPA ID MO6011535
Water Source	Groundwater
Last State Inspection	Aug 2024
Lead	Under 1 ppb (2022–2024) 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 28 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Gateway Fiber, Wisper ISP.

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