138 Keystone Ridge Dr, O Fallon, MO 63366 Property Records

St. Charles County property record for 138 Keystone Ridge Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,572 sqft · built 2019
Lot Size	0.207 acres (8,999 sqft)
Owner	Company Name on File
Last Sale	$400,000 (Dec 2024)
Tax Bill	$4,515 (2025)
Deeds & Mortgages	Dec 2023 Line of Credit Jul 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T180200111`

Property Details

APN / Parcel Number

Primary APN	`T180200111`
Alternative APN	`2-0048-C585-00-0064.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,572 sqft Living Area
Gross Area	4,263 sqft
1st Floor Area	1,333 sqft
Basement Area	1,291 sqft

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Lot Area	8,999 sqft (0.207 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	T180200111
Street Address	138 KEYSTONE RIDGE DR
City	O FALLON
State	MO
Zip	63366-5092
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	KEYSTONE RIDGE LOT 64
Legal Subdivision	KEYSTONE RIDGE
Legal Lot Number	64
Jurisdiction	ST CHARLES MO
Township / Civil Division	WENTZVILLE
Census Block Group	3
Census Block	3085
Census Tract	312095

Owner

138 Keystone Ridge Dr is owned by a company that bought it in December 2024.

Source: St. Charles County records, as of October 13, 2026

Owner of Record	Company Name on File
Mailing Address	1030 BRISTOL MANOR DR, BALLWIN, MO 63011-5103
Owner Type	Company
Vesting	Limited Liability Partnership

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
Dec 28, 2023	Deed of Trust, Mortgage · Line of Credit WEST COMMUNITY CU
Jul 20, 2020	Deed of Trust, Mortgage · FHA Mortgage CMG MORTGAGE INC
Jun 4, 2019	Warranty Deed, Transfer · FHA Mortgage DAS ACQUISITION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 9, 2024 · Amount on File
Deed Sale	Dec 9, 2024 · Amount on File
Prior Sale	Jun 4, 2019 · Amount on File
Deed Document Number	202451357
Record Updated	Oct 29, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	138 KEYSTONE RIDGE DR, O FALLON, MO 63366-5092
Transaction Type	Mortgage
Record Updated	Jan 11, 2024
Title Company	NOT AVAILABLE, ETC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	138 KEYSTONE RIDGE DR, O FALLON, MO 63366-5092

Mortgage

Document Number	0000052503
Date	Dec 28, 2023
Instrument	2023R-052503

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Dec 1, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	138 KEYSTONE RIDGE DR, O FALLON, MO 63366-5092
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0073481266
Date	Jul 20, 2020
Book Page	7348/1266
Instrument	20200720000504500

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company
Address	SAN RAMON, CA 94583

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2050

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jun 4, 2019
Property Address	138 KEYSTONE RIDGE DR, O FALLON, MO 63366-5092
Document Number	0070831934
Book / Page	007083 / 001934
Instrument Date	May 31, 2019
Instrument	269210
Transaction Type	Transfer
Record Updated	Jun 26, 2019
Title Company	TITLE PARTNERS AGENCY LLC, TITLE PTRS AGCY LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	138 KEYSTONE RIDGE DR O FALLON MO 633665092, O FALLON, MO 63366-5092

Mortgage

Document Number	70831936
Date	Jun 4, 2019
Book Page	007083/001936
Instrument	269220

Lender

Name	DAS ACQUISITION
Address	SAINT LOUIS, MO 63141

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 3, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 138 Keystone Ridge Dr was $4,515, down 8.8% 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	O'Fallon City
Unified School District	Wentzville R-IV School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$72,420 (-)	$381,162 (-) Land $50,000 Building $331,162
2025	$4,515.00 (-8.82%)	$72,420	$381,162 Land $50,000 Building $331,162
2024	$4,952.00
2023		$77,190
2022			$406,260 Land $50,000 Building $356,260

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 138 Keystone Ridge Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2022.

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	1 (2022)
Most Recent Claim	Jul 2022 · Severe Storms And Flooding

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 138 Keystone Ridge Dr is low, with a 0.04% 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	0.04% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 82 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: Brightspeed, Verizon, Wisper ISP.

Cell Coverage

5G (outdoors only) and 4G LTE

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