154 Keystone Crossing Dr, O Fallon, MO 63368 Property Records

St. Charles County property record for 154 Keystone Crossing Dr, O Fallon, MO 63368

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,556 sqft · built 1999
Lot Size	0.26 acres (11,326 sqft)
Owner	2 Individual Names on Record
Last Sale	$181,456 (Oct 1999)
Deeds & Mortgages	Dec 2023 Mortgage Apr 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T001700010`

Property Details

APN / Parcel Number

Primary APN	`T001700010`
Alternative APN	`4-0036-8108-00-0040.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,556 sqft Living Area
Gross Area	4,325 sqft
1st Floor Area	1,339 sqft
Basement Area	1,217 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Bi-Level
Exterior Material	Brick/Stone
Lot Area	11,326 sqft (0.26 acres)
Garage Type	Attached
Garage Area	552 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	138 sqft
Patio Area	414 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T001700010
Street Address	154 KEYSTONE CROSSING DR
City	O FALLON
State	MO
Zip	63368-6775
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	KEYSTONE CROSSING #2 LOT 40
Legal Subdivision	KEYSTONE CROSSING #2
Legal Lot Number	40
Jurisdiction	ST CHARLES MO
Township / Civil Division	LAKE ST. LOUIS
Census Block Group	1
Census Block	1013
Census Tract	311153

Owner

Source: St. Charles County records, as of August 7, 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	2 Individual Names on Record
Mailing Address	154 KEYSTONE CROSSING DR, O FALLON, MO 63368-6775
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 5, 2023	Deed of Trust, Mortgage · Closed-End Mortgage US BANK NA
Apr 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Jul 31, 2018	Grant Deed, Subdivision Related Transfer BUSEY BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 4, 1999 · Amount on Record
Deed Sale	Oct 4, 1999 · Amount on Record
Deed Document Number	199981091
Deed Book / Page	2313 / 1357
Record Updated	Sep 20, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	154 KEYSTONE CROSSING DR, O FALLON, MO 63368-6775
Transaction Type	Mortgage
Record Updated	Dec 19, 2023
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	154 KEYSTONE CROSSING DR, O FALLON, MO 63368-6775

Mortgage

Document Number	0000049430
Date	Dec 5, 2023
Instrument	2023R-049430

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded
Term	179 Months
Due	Nov 1, 2038

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	154 KEYSTONE CROSSING DR, O FALLON, MO 63368-6775
Transaction Type	Mortgage
Record Updated	May 13, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	154 KEYSTONE CROSSING DR, DARDENNE PR, MO 63368-6775

Mortgage

Document Number	2021R037973
Date	Apr 30, 2021
Instrument	2021R-037973

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	May 1, 2036

July 2018: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jul 31, 2018
Property Address	154 KEYSTONE CROSSING DR, O FALLON, MO 63368-6775
Document Number	0069551353
Book / Page	006955 / 001353
Instrument Date	Jul 27, 2018
Instrument	431480
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 23, 2018
Title Company	DEPENDABLE TITLE

Transaction

Amount	Amount Recorded
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	Married Couple
Address	174 KEYSTONE RIDGE DR O FALLON MO 633665094, O FALLON, MO 63366-5094

Mortgage

Document Number	69551355
Date	Jul 31, 2018
Book Page	006955/001355
Instrument	431490

Lender

Name	BUSEY BK
Type	Bank
Address	CHAMPAIGN, IL 61820

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 30, 2048

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of August 7, 2026

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Unified School District	Wentzville R-IV School District (PK - 12)

Tax Bill & Assessment History

Year	Assessed Value	Assessed Market Value
2026	$76,969 (+4.01%)	$405,102 (+4.01%) Land $70,000 Building $335,102
2023	$74,004
2022		$389,495 Building $389,495

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	2 (2006–2008)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Sep 2008 · Severe Storms, Flooding, And A Tornado

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 99.1% of the US · lower than 98.2% of Missouri
Wildfire Likelihood	Under 0.01% 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 CHARLES COUNTY PWSD 2 serves 100,587 people · EPA ID MO6024530
Water Source	Purchased surface water from ST LOUIS CITY PWS
Last State Inspection	Aug 2023
Lead	2 ppb (2026) 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 292 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
i3 Broadband Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30

May also be available: Gateway Fiber, T-Mobile, Verizon.

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