1323 Avondale Spring Dr, O Fallon, MO 63368 Property Records

St. Charles County property record for 1323 Avondale Spring Dr, O Fallon, MO 63368

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,880 sqft · built 2004
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on Record
Last Sale	$226,286 (Nov 2004)
Tax Bill	$5,279 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit Jun 2018 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T032500330`

Property Details

APN / Parcel Number

Primary APN	`T032500330`
Alternative APN	`2-0126-9074-00-0019.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,880 sqft Living Area
Gross Area	4,440 sqft
1st Floor Area	1,880 sqft
Basement Area	1,860 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Ranch
Exterior Material	Brick/Stone
Lot Area	10,019 sqft (0.23 acres)
Garage Type	Attached
Garage Area	700 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	72 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T032500330
Street Address	1323 AVONDALE SPRING DR
City	O FALLON
State	MO
Zip	63368-7995
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	AVONDALE SPRING LOT 19
Legal Subdivision	AVONDALE SPRING
Legal Lot Number	19
Jurisdiction	ST CHARLES MO
Township / Civil Division	DARDENNE
Census Block Group	3
Census Block	3000
Census Tract	311739

Owner

Source: St. Charles County records, as of September 1, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	1323 AVONDALE SPRING DR, O FALLON, MO 63368-7995
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 20, 2026	Deed of Trust, Mortgage · Line of Credit WEST COMMUNITY CREDIT UNION
Jun 18, 2018	Deed of Trust, Mortgage · Line of Credit WEST COMMUNITY CU
May 24, 2021	Deed of Trust, Mortgage · Line of Credit FIRST COMMUNITY CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 23, 2004 · Amount on Record
Deed Sale	Nov 23, 2004 · Amount on Record
Deed Document Number	20041116480
Deed Book / Page	4034 / 914
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Recording Date	Aug 20, 2026
Property Address	1323 AVONDALE SPRING DR, O FALLON, MO 63368-7995
Document Number	0000039883
Instrument Date	Jul 27, 2026
Instrument	202639883
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1323 AVONDALE SPRING DR, O FALLON, MO 63368-7995

Mortgage

Document Number	0000039883,
Date	Aug 20, 2026
Instrument	202639883

Lender

Name	WEST COMMUNITY CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Aug 1, 2046

Interest

Max Rate	-1%

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1323 AVONDALE SPRING DR, O FALLON, MO 63368-7995
Transaction Type	Mortgage
Record Updated	Oct 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000337050
Date	Jun 18, 2018
Book Page	6934/2271
Instrument	20180618000337050

Lender

Name	WEST COMMUNITY CU
Type	Credit Union
Address	O FALLON, MO 63368

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jun 1, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1323 AVONDALE SPRING DR, O FALLON, MO 63368-7995
Transaction Type	Mortgage
Record Updated	Oct 4, 2022
Title Company	CLEAR TITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1323 AVONDALE SPRING DR, O FALLON, MO 63368-7995

Mortgage

Document Number	0000044618
Date	May 24, 2021
Instrument	2021R-044618

Lender

Name	FIRST COMMUNITY CU
Type	Credit Union
Address	CHESTERFIELD, MO 63005

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	179 Months
Due	Apr 1, 2036

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Municipality	O'Fallon 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		$82,382 (-)	$433,592 (-) Building $433,592
2025	$5,279.00	$82,382 (+10.17%)	$433,592 (+10.17%)
2023		$74,780
2022			$393,577 Land $70,000 Building $323,577

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

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.2% 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.

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 446 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
i3 Broadband Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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