St. Charles County property record for 15 Avondale Spring Ct, O Fallon, MO 63368
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 3,280 sqft · built 2004 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | 2 Owner Names on File |
| Last Sale | $269,877 (Sep 2004) |
| Tax Bill | $6,924 (2025) |
| Deeds & Mortgages | Nov 2017 Mortgage Feb 2019 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | T032500316 |
| Primary APN | T032500316 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 10 Rooms |
| Stories | 1 Story |
| Building Area | 3,280 sqft Living Area |
| 1st Floor Area | 2,042 sqft |
| Basement Area | 2,042 sqft |
| Finished Basement | 510 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | 2 Story |
| Year Built | Built 2004 |
|---|---|
| Architectural Style | Other |
| Exterior Material | Composition/Composite |
| Lot Area | 10,019 sqft (0.23 acres) |
| Garage Type | Attached |
| Parking Spaces | 3 Parking Spaces |
| Porch | Porch |
| Porch Area | 42 sqft |
| Patio Area | 200 sqft |
| Sewer | Connected |
|---|
| Account Number | T032500316 |
|---|---|
| Old Parcel Number | T032500316 |
| Street Address | 15 AVONDALE SPRING CT |
| City | O FALLON |
| State | MO |
| Zip | 63368-8653 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | AVONDALE SPRING LOT 5 |
| Legal Range | 03E |
| Legal Township | 46N |
| Legal Subdivision | AVONDALE SPRING |
| Legal Lot Number | 5 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | DARDENNE |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 311739 |
Source: St. Charles County records · APN T032500316
Assessment roll updated July 1, 2025 · Last verified March 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Owner Names on File |
|---|---|
| Mailing Address | 15 AVONDALE SPRING CT, O FALLON, MO 63368-8653 |
| Occupancy | Owner Occupied |
| Date | Document |
|---|---|
| Nov 13, 2017 | Deed of Trust, Mortgage · Conventional Mortgage CORNERSTONE MORTGAGE INC |
| Feb 28, 2019 | Deed of Trust, Mortgage · Line of Credit COMMERCE BANK |
| Apr 14, 2021 | Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO |
| Sep 02, 2021 | Deed of Trust, Mortgage · Line of Credit COMMERCE BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 09, 2004 · Amount on Record |
| Deed Sale | Sep 09, 2004 · Amount on Record |
| Deed Document Number | 0039731230 |
| Deed Book / Page | 3973 / 1230 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 15 AVONDALE SPRING CT, O FALLON, MO 63368-8653 |
| Transaction Type | Mortgage |
| Record Updated | Oct 04, 2022 |
| Title Company | TITLE PARTNERS AGENCY LLC |
| Name | Verified Name |
|---|
| Document Number | 0000707970 |
|---|---|
| Date | Nov 13, 2017 |
| Book Page | 6838/0036 |
| Instrument | 20171113000707970 |
| Name | CORNERSTONE MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | CHESTERFIELD, MO 63005 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Dec 01, 2037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 15 AVONDALE SPRING CT, O FALLON, MO 63368-8653 |
| Transaction Type | Mortgage |
| Record Updated | Oct 04, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000088880 |
|---|---|
| Date | Feb 28, 2019 |
| Book Page | 7040/2339 |
| Instrument | 20190228000088880 |
| Name | COMMERCE BANK |
|---|---|
| Type | Bank |
| Address | KANSAS CITY, MO 64106 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Feb 15, 2029 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 15 AVONDALE SPRING CT, O FALLON, MO 63368-8653 |
| Transaction Type | Mortgage |
| Record Updated | Oct 04, 2022 |
| Title Company | TITLE PARTNERS AGENCY LLC |
| Name | Verified Name |
|---|---|
| Address | 15 AVONDALE SPRING CT, O FALLON, MO 63368-8653 |
| Document Number | 0000032787 |
|---|---|
| Date | Apr 14, 2021 |
| Instrument | 2021R-032787 |
| Name | GUILD MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92111 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | May 01, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 15 AVONDALE SPRING CT, O FALLON, MO 63368-8653 |
| Transaction Type | Mortgage |
| Record Updated | Oct 04, 2022 |
| Name | Verified Name |
|---|---|
| Address | 15 AVONDALE SPRING CT, O FALLON, MO 63368-8653 |
| Document Number | 0000073734 |
|---|---|
| Date | Sep 02, 2021 |
| Instrument | 2021R-073734 |
| Name | COMMERCE BANK |
|---|---|
| Type | Bank |
| Address | KANSAS CITY, MO 64106 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 119 Months |
| Due | Aug 25, 2031 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: St. Charles County records · Assessment roll updated July 1, 2025 · Last verified March 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | O'Fallon City |
| Unified School District | Fort Zumwalt R-II School District (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,924.00 | $108,270 (+18.02%) | $569,840 (+18.02%) |
| 2023 | $91,736 | ||
| 2022 | $482,822 Land $70,000 Building $412,822 |
Source: FEMA National Flood Hazard Layer, St. Charles County (29183C), as of August 25, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 291833117392, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 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 |
| Community Rating System | Class 9 (5% premium discount) |
| Nearby Flood Policies | 1 in force |
| Wildfire Risk | Low lower than 95% of the US · lower than 93% of Missouri |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| WH i3B Bidco LLC/WH i3B Topco Fiber | 8,000 / 8,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Wisper ISP Fixed Wireless | 400 / 30 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: Verizon.
Based on FCC filings for 446 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System, water system MO6024530, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ST CHARLES COUNTY PWSD 2 serves 100,587 people |
|---|---|
| Water Source | Purchased surface water from ST LOUIS CITY PWS |
| Last State Inspection | Aug 2023 |
| Lead | 2 ppb (2026) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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