134 River Rock Dr, O Fallon, MO 63366 Property Records

St. Charles County property record for 134 River Rock Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,365 sqft · built 2019
Lot Size	0.298 acres (13,024 sqft)
Owner	Individual Name on Record
Last Sale	$397,761 (Oct 2019)
Tax Bill	$5,285 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Apr 2020 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`T190300271`

Property Details

APN / Parcel Number

Primary APN	`T190300271`
Alternative APN	`2-0087-C715-00-0632.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,365 sqft Living Area
Basement Area	2,365 sqft

Exterior

Year Built	Built 2019
Exterior Material	Brick
Lot Area	13,024 sqft (0.298 acres)
Garage Type	Attached
Parking Spaces	4 Parking Spaces

Location & Zoning

Account Number	T190300271
Street Address	134 RIVER ROCK DR
City	O FALLON
State	MO
Zip	63366-1794
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RIVERDALE VLG E #1 LOT 632
Legal Range	02E
Legal Township	48N
Legal Subdivision	RIVERDALE VLG E #1
Legal Lot Number	632
Jurisdiction	ST CHARLES MO
Township / Civil Division	WENTZVILLE
Census Block Group	2
Census Block	2005
Census Tract	312001

Owner

Source: St. Charles County records, as of March 16, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	134 RIVER ROCK DR, O FALLON, MO 63366-1794
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage GERSHMAN INVESTMENT CORP
Apr 29, 2020	Deed of Trust, Mortgage · Line of Credit REGIONS BANK
Mar 5, 2020	Deed of Trust, Mortgage · Conventional Mortgage GERSHMAN INVESTMENT CORP
Oct 17, 2019	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage GERSHMAN INVESTMENT CORP
Jul 31, 2019	Grant Deed, Transfer OTHER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 17, 2019 · Amount on Record
Deed Sale	Oct 17, 2019 · Amount on Record
Deed Document Number	0071632095
Deed Book / Page	7163 / 2095
Record Updated	Jun 8, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	134 RIVER ROCK DR, O FALLON, MO 63366-1794
Transaction Type	Mortgage
Record Updated	Mar 24, 2021
Title Company	INVESTORS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	134 RIVER ROCK DR, SAINT PAUL, MO 63366-1794

Mortgage

Document Number	2021R016427
Date	Feb 25, 2021
Instrument	2021R-016427

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Dec 1, 2050

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	134 RIVER ROCK DR, O FALLON, MO 63366-1794
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0072811368
Date	Apr 29, 2020
Book Page	7281/1368
Instrument	20200429000268790

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35211

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 15, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	134 RIVER ROCK DR, O FALLON, MO 63366-1794
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	INVESTORS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0072430694
Date	Mar 5, 2020
Book Page	7243/694
Instrument	20200305000137270

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2050

October 2019: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Oct 17, 2019
Property Address	134 RIVER ROCK DR, O FALLON, MO 63366-1794
Document Number	0071632095
Book / Page	7163 / 2095
Map Reference	MB 50 PG 462-465
Instrument Date	Oct 11, 2019
Instrument	20191017000583100
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 9, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	134 RIVER ROCK DR, SAINT PAUL, MO 63366-1794

Mortgage

Document Number	20191017000583110
Date	Oct 17, 2019
Instrument	20191017000583110

Lender

Name	GERSHMAN INVESTMENT CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

July 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jul 31, 2019
Property Address	134 RIVER ROCK DR, O FALLON, MO 63366-1794
Document Number	0071141273
Book / Page	007114 / 001273
Instrument Date	Jul 26, 2019
Instrument	394690
Transaction Type	Transfer
Record Updated	Aug 26, 2019
Title Company	OTHER

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	239 FOX HILL RD ST CHARLES MO 633013745, ST CHARLES, MO 63301-3745
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of July 1, 2025

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
2025	$5,285.00	$86,237 (-0.21%)	$453,880 (-0.21%) Land $70,000 Building $383,880
2023		$86,422
2022			$454,852 Land $55,000 Building $399,852

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	25 (1982–2015)
Claims Outside the SFHA	1 of 25
Most Recent Claim	Jun 2015 · river or lake flooding
Claims by Event	Severe Storms, Tornadoes, Flooding, Apr 1994 · 3 claims Severe Storms & Flooding, Sep 1993 · 8 claims

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 80% of the US · lower than 84% of Missouri
Wildfire Likelihood	0.02% 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 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 203 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Gateway Fiber Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Brightspeed, Verizon.

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