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

St. Charles County property record for 128 Keystone Crossing Dr, O Fallon, MO 63368

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,214 sqft · built 1998
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on File
Last Sale	$170,000 (Apr 2002)
Tax Bill	$4,208 (2025)
Deeds & Mortgages	Nov 2021 Sale Oct 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`T991700050`

Property Details

APN / Parcel Number

Primary APN	`T991700050`
Alternative APN	`4-0036-7966-00-0027.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,214 sqft Living Area
Gross Area	3,704 sqft
1st Floor Area	1,188 sqft
Basement Area	1,050 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Bi-Level
Exterior Material	Brick/Stone
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	120 sqft
Patio Area	150 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T991700050
Street Address	128 KEYSTONE CROSSING DR
City	O FALLON
State	MO
Zip	63368-6775
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	KEYSTONE CROSSING #1 LOT 27
Legal Subdivision	KEYSTONE CROSSING #1
Legal Lot Number	27
Jurisdiction	ST CHARLES MO
Township / Civil Division	LAKE ST. LOUIS
Census Block Group	1
Census Block	1013
Census Tract	311153

Owner

128 Keystone Crossing Dr is owned and occupied by two individuals who acquired it in October 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	128 KEYSTONE CROSSING DR, O FALLON, MO 63368-6775
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
Nov 1, 2021	Beneficiary Deed, Transfer
Oct 1, 2020	Deed of Trust, Mortgage QUICKEN LNS
Aug 29, 2019	Deed of Trust, Mortgage QUICKEN LNS
Sep 12, 2017	Deed of Trust, Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 29, 2002 · Amount on File
Deed Sale	Apr 29, 2002 · Amount on File
Prior Sale	Jun 3, 1999 · Amount on File
Deed Document Number	200239676
Deed Book / Page	2878 / 143
Last Transfer Date	Oct 26, 2021
Transfer Doc	2021R090239
Record Updated	Oct 29, 2026

November 2021: Beneficiary Deed, Transfer

Document Type	Beneficiary Deed
Jurisdiction	ST CHARLES MO
Recording Date	Nov 1, 2021
Property Address	128 KEYSTONE CROSSING DR, O FALLON, MO 63368-6775
Document Number	2021R090239
Map Reference	MB 35 PG 52
Instrument Date	Oct 26, 2021
Instrument	2021R-090239
Transaction Type	Transfer
Record Updated	Nov 15, 2021

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	128 KEYSTONE CROSSING DR, O FALLON, MO 63368-6775

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	128 KEYSTONE CROSSING DR, O FALLON, MO 63368-6775
Document Number	0000075359
Instrument Date	Oct 1, 2020
Transaction Type	Mortgage
Record Updated	Dec 24, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	128 KEYSTONE CROSSING DR O FALLON MO 633686775, O FALLON, MO 63368-6775

Mortgage

Document Number	0000075359
Date	Oct 6, 2020
Instrument	75359

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Amount	Amount on Record
Term	180 Months
Due	Oct 5, 2035

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	128 KEYSTONE CROSSING DR, O FALLON, MO 63368-6775
Document Number	0071352411
Instrument Date	Aug 29, 2019
Transaction Type	Mortgage
Record Updated	Sep 25, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	128 KEYSTONE CROSSING DR O FALLON MO 633686775, O FALLON, MO 63368-6775

Mortgage

Document Number	0071352411
Date	Sep 4, 2019
Book Page	007135/002411
Instrument	475810

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Amount	Amount on Record
Term	240 Months
Due	Sep 3, 2039

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	128 KEYSTONE CROSSING DR, O FALLON, MO 63368-6775
Document Number	0068082349
Book / Page	006808 / 002349
Instrument Date	Sep 12, 2017
Transaction Type	Mortgage
Record Updated	Sep 28, 2017
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	128 KEYSTONE CROSSING DR O FALLON MO 633686775, O FALLON, MO 63368-6775

Mortgage

Document Number	0068082349
Date	Sep 19, 2017
Book Page	006808/002349
Instrument	585970

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Amount	Amount on Record
Term	180 Months
Due	Sep 18, 2032

Tax Assessment & Valuation

The 2025 property tax bill for 128 Keystone Crossing Dr was $4,208, up 1.3% 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
Unified School District	Wentzville R-IV School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$67,810 (-)	$356,897 (-) Land $70,000 Building $286,897
2025	$4,208.00 (+1.35%)	$67,810	$356,897 Land $70,000 Building $286,897
2024	$4,152.00
2023		$65,061
2022			$342,424 Building $342,424

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 128 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 128 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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