1325 Avondale Spring Dr, O Fallon, MO 63368 Property Records

St. Charles County property record for 1325 Avondale Spring Dr, O Fallon, MO 63368

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 4,018 sqft · built 2002
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on Record
Last Sale	$344,900 (Apr 2018)
Tax Bill	$6,801 (2025)
Deeds & Mortgages	Sep 2023 Line of Credit Sep 2023 Second Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`T032500331`

Property Details

APN / Parcel Number

Primary APN	`T032500331`
Alternative APN	`2-0126-9074-00-0020.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	4,018 sqft Living Area
Gross Area	5,342 sqft
1st Floor Area	2,391 sqft
Basement Area	2,321 sqft
Finished Basement	1,627 sqft
Unfinished Basement	694 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Ranch
Exterior Material	Brick/Stone
Lot Area	10,019 sqft (0.23 acres)
Garage Type	Attached
Garage Area	630 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	44 sqft
Patio Area	192 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T032500331
Street Address	1325 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 20
Legal Subdivision	AVONDALE SPRING
Legal Lot Number	20
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 August 7, 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	1325 AVONDALE SPRING DR, O FALLON, MO 63368-7995
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 25, 2023	Deed of Trust, Mortgage · Line of Credit COMMERCE BANK
Sep 22, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage COMMERCE BANK
Oct 9, 2019	Deed of Trust, Mortgage · Conventional Mortgage GERSHMAN INVESTMENT CORP
Apr 30, 2018	Warranty Deed, Transfer · Conventional Mortgage GERSHMAN INVESTMENT CORP
Jun 15, 2017	Loan Modification, Mortgage · Line of Credit COMMERCE BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 30, 2018 · Amount on Record
Deed Sale	Apr 30, 2018 · Amount on Record
Prior Sale	Aug 23, 2012 · Amount on Record
Deed Document Number	2018232150
Deed Book / Page	6911 / 628
Prior Transfer Date	Aug 14, 2012
Prior Transfer Doc	0000636110
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1325 AVONDALE SPRING DR, O FALLON, MO 63368-7995
Transaction Type	Mortgage
Record Updated	Oct 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000039192
Date	Sep 25, 2023
Instrument	2023R-039192

Lender

Name	COMMERCE BANK
Type	Bank
Address	KANSAS CITY, MO 64106

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Sep 15, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1325 AVONDALE SPRING DR, O FALLON, MO 63368-7995
Transaction Type	Mortgage
Record Updated	Oct 6, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1325 AVONDALE SPRING DR, O FALLON, MO 63368-7995

Mortgage

Document Number	0000039020
Date	Sep 22, 2023
Instrument	2023R-039020

Lender

Name	COMMERCE BANK
Type	Bank
Address	KANSAS CITY, MO 64106

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	144 Months
Due	Sep 15, 2035

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1325 AVONDALE SPRING DR, O FALLON, MO 63368-7995
Transaction Type	Mortgage
Record Updated	Oct 4, 2022
Title Company	INVESTORS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000564700
Date	Oct 9, 2019
Book Page	7159/0798
Instrument	20191009000564700

Lender

Name	GERSHMAN INVESTMENT CORP
Type	Mortgage Company
Address	CHESTERFIELD, MO 63017

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2049

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Apr 30, 2018
Property Address	1325 AVONDALE SPRING DR, O FALLON, MO 63368-7995
Document Number	0000232150
Book / Page	6911 / 0628
Map Reference	MB 39 PG 82-83
Instrument Date	Apr 27, 2018
Instrument	20180430000232150
Transaction Type	Transfer
Record Updated	Oct 4, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1325 AVONDALE SPRING DR, O FALLON, MO 63368-7995

Mortgage

Document Number	0000232160
Date	Apr 30, 2018
Instrument	20180430000232160

Lender

Name	GERSHMAN INVESTMENT CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2048

June 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST CHARLES MO
Property Address	1325 AVONDALE SPRING DR, O FALLON, MO 63368-7995
Document Number	0067672236
Book / Page	006767 / 002236
Instrument Date	Jun 15, 2017
Transaction Type	Mortgage
Record Updated	Jul 10, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1325 AVONDALE SPRING DR O FALLON MO 633687995, O FALLON, MO 63368-7995

Mortgage

Document Number	0067672236
Date	Jun 30, 2017
Book Page	006767/002236
Instrument	402510

Lender

Name	COMMERCE BK
Type	Bank
Address	O FALLON, MO 63366

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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		$106,323 (-)	$559,593 (-) Building $559,593
2025	$6,801.00	$106,323 (+11.99%)	$559,593 (+11.99%)
2023		$94,941
2022			$499,689 Land $70,000 Building $429,689

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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