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

St. Charles County property record for 144 Keystone Ridge Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 4,006 sqft · built 2018
Lot Size	1.72 acres (75,093 sqft)
Owner	Company Name on Record
Last Sale	$649,000 (Dec 2022)
Tax Bill	$5,745 (2025)
Deeds & Mortgages	Nov 2020 Mortgage Dec 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T180200108`

Property Details

APN / Parcel Number

Primary APN	`T180200108`
Alternative APN	`2-0048-C585-00-0061.0000000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	4,006 sqft Living Area
Gross Area	5,368 sqft
1st Floor Area	1,724 sqft
Basement Area	1,482 sqft
Finished Basement	800 sqft
Unfinished Basement	682 sqft

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Bi-Level
Exterior Material	Brick/Stone
Lot Area	75,093 sqft
Garage Type	Attached
Garage Area	680 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	T180200108
Street Address	144 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 61
Legal Subdivision	KEYSTONE RIDGE
Legal Lot Number	61
Jurisdiction	ST CHARLES MO
Township / Civil Division	WENTZVILLE
Census Block Group	3
Census Block	3085
Census Tract	312095

Owner

Source: St. Charles County records, as of September 10, 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	Company Name on Record
Mailing Address	144 KEYSTONE RIDGE DR, O FALLON, MO 63366-5092
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Nov 19, 2020	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Dec 16, 2022	Warranty Deed, Transfer · Conventional Mortgage FLAT BRANCH HOME LOANS INC
Feb 22, 2021	Beneficiary Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 16, 2022 · Amount on Record
Deed Sale	Dec 16, 2022 · Amount on Record
Prior Sale	Sep 25, 2018 · Amount on Record
Deed Document Number	202266269
Prior Transfer Date	Feb 9, 2021
Prior Transfer Doc	0000015568
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	144 KEYSTONE RIDGE DR, O FALLON, MO 63366-5092
Transaction Type	Mortgage
Record Updated	Jan 2, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	144 KEYSTONE RIDGE DR, O FALLON, MO 63366-5092

Mortgage

Document Number	0000089965
Date	Nov 19, 2020
Instrument	2020R-089965

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Dec 16, 2022
Property Address	144 KEYSTONE RIDGE DR, O FALLON, MO 63366-5092
Document Number	0000066269
Map Reference	MB 49 PG 332-335
Instrument Date	Dec 12, 2022
Instrument	2022R-066269
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	SYNERGY TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	903 LOCKSLEY MANOR DR, LAKE SAINT LOUIS, MO 63367-2576

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	144 KEYSTONE RIDGE DR, O FALLON, MO 63366-5092

Mortgage

Document Number	0000066270
Date	Dec 16, 2022
Instrument	2022R-066270

Lender

Name	FLAT BRANCH HOME LOANS INC
Type	Mortgage Company
Address	COLUMBIA, MO 65201

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2053

February 2021: Beneficiary Deed, Transfer

Document Type	Beneficiary Deed
Jurisdiction	ST CHARLES MO
Recording Date	Feb 22, 2021
Property Address	144 KEYSTONE RIDGE DR, O FALLON, MO 63366-5092
Document Number	0000015568
Map Reference	MB 49 PG 332-335
Instrument Date	Feb 9, 2021
Instrument	2021R-015568
Transaction Type	Transfer
Record Updated	Jan 17, 2024

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	144 KEYSTONE RIDGE DR, O FALLON, MO 63366-5092
Investor	Possibly a Property Investor

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	Wentzville R-IV School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$94,139 (+1.97%)	$495,465 (+1.97%) Land $50,000 Building $445,465
2025	$5,745.00	$92,323 (-6.43%)	$485,905 (-6.43%) Land $50,000 Building $435,905
2023		$98,670
2022			$519,319 Land $50,000 Building $469,319

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	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

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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