149 E Towerwood Dr, O Fallon, MO 63366 Property Records

St. Charles County property record for 149 E Towerwood Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,092 sqft · built 1989
Lot Size	0.64 acres (27,878 sqft)
Owner	2 Individual Names on File
Last Sale	$143,000 (Mar 2015)
Tax Bill	$2,843 (2025)
Deeds & Mortgages	Jan 2026 Transfer May 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`A882000837`

Property Details

APN / Parcel Number

Primary APN	`A882000837`
Alternative APN	`2-051B-6313-00-0008.0000000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,092 sqft Living Area
Gross Area	2,584 sqft
1st Floor Area	1,092 sqft
Basement Area	1,092 sqft

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	27,878 sqft (0.64 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	25 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	A882000837
Street Address	149 E TOWERWOOD DR
City	O FALLON
State	MO
Zip	63366-1781
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TOWERWOOD PL LOT 8
Legal Subdivision	TOWERWOOD PL
Legal Lot Number	8
Jurisdiction	ST CHARLES MO
Township / Civil Division	O'FALLON
Census Block Group	3
Census Block	3010
Census Tract	311602

Owner

Source: St. Charles County assessment roll, as of August 13, 2025

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 File
Mailing Address	149 E TOWERWOOD DR, O FALLON, MO 63366-1781
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Jan 20, 2026	Intrafamily Transfer, Transfer FOUNDERS TITLE COMPANY, FOUNDERS TITLE AGENCY
May 31, 2022	Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND
Oct 19, 2018	Deed of Trust, Mortgage · Line of Credit US BANK NA
Dec 14, 2020	Deed of Trust, Mortgage TRUIST BK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 18, 2015 · Amount on Record
Deed Sale	Mar 18, 2015 · Amount on Record
Prior Sale	Aug 6, 2014 · Amount on Record
Deed Document Number	2015156690
Deed Book / Page	6323 / 141
Last Transfer Date	Jan 16, 2026
Transfer Doc	0000002618
Record Updated	Sep 20, 2026

January 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Jan 20, 2026
Property Address	149 E TOWERWOOD DR, O FALLON, MO 63366-1781
Document Number	0000002618
Map Reference	MB 27 PG 125
Instrument Date	Jan 16, 2026
Instrument	2026R-002618
Transaction Type	Transfer
Record Updated	Feb 3, 2026
Title Company	FOUNDERS TITLE COMPANY, FOUNDERS TITLE AGENCY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	149 E TOWERWOOD DR, O FALLON, MO 63366-1781

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	149 E TOWERWOOD DR, O FALLON, MO 63366-1781
Transaction Type	Mortgage
Record Updated	Jun 14, 2022
Title Company	TITLE365 - OMAHA, TITLE365 OMAHA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	149 E TOWERWOOD DR, O FALLON, MO 63366-1781

Mortgage

Document Number	0000030514
Date	May 31, 2022
Instrument	2022R-030514

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 16, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	149 E TOWERWOOD DR, O FALLON, MO 63366-1781
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0069920961
Date	Oct 19, 2018
Book Page	6992/0961
Instrument	20181019000597660

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Sep 28, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	149 E TOWERWOOD DR, O FALLON, MO 63366-1781
Document Number	0000103560
Instrument Date	Dec 14, 2020
Transaction Type	Mortgage
Record Updated	Mar 17, 2021
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	149 E TOWERWOOD DR O FALLON MO 633661781, O FALLON, MO 63366-1781

Mortgage

Document Number	0000103560
Date	Dec 31, 2020
Instrument	103560

Lender

Name	TRUIST BK
Address	RICHMOND, VA 23224

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Dec 30, 2050

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of August 13, 2025

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
2025	$2,843.00 (-1.8%)	$44,068 (+1.06%)	$231,938 (+1.06%) Land $55,000 Building $176,938
2024	$2,895.00
2023		$43,604
2022			$229,495 Building $229,495

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 9 (5% premium discount)
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	Not rated no burnable land within ember reach

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	OFALLON PWS serves 32,515 people · EPA ID MO6010588
Water Source	Purchased surface water from several systems
Last State Inspection	Aug 2024
Lead	2 ppb (2023–2025) 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 555 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Gateway Fiber Holdings Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
AT&T Fixed Wireless	100 / 20

May also be available: Verizon, Wisper ISP.

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