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

St. Charles County property record for 164 Keystone Crossing Dr, O Fallon, MO 63368

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,182 sqft · built 1999
Lot Size	0.31 acres (13,504 sqft)
Owner	2 Individual Names on Record
Last Sale	$491,701 (May 2026)
Tax Bill	$3,984 (2025)
Deeds & Mortgages	May 2026 Sale & Mortgage Aug 2020 Transfer
Flood Zone	Zone X (minimal risk)
APN	`T001700671`

Property Details

APN / Parcel Number

Primary APN	`T001700671`
Alternative APN	`4-0036-8257-00-0048.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,182 sqft Living Area
Gross Area	3,975 sqft
1st Floor Area	1,746 sqft
Basement Area	1,746 sqft
Finished Basement	436 sqft
Unfinished Basement	1,310 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Ranch
Exterior Material	Brick/Stone
Lot Area	13,504 sqft (0.31 acres)
Garage Type	Attached
Garage Area	483 sqft
Parking Spaces	2 Parking Spaces
Deck Area	Deck Area
Patio Area	400 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T001700671
Street Address	164 KEYSTONE CROSSING DR
City	O FALLON
State	MO
Zip	63368-7078
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	KEYSTONE CROSSING #3 LOT 48
Legal Subdivision	KEYSTONE CROSSING #3
Legal Lot Number	48
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 June 8, 2026

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 Record
Mailing Address	164 KEYSTONE CROSSING DR, O FALLON, MO 63368-7078
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
May 7, 2026	Warranty Deed, Transfer · Conventional Mortgage FIRST STATE BANK/STATE CHARLES
Aug 17, 2020	Quit Claim Deed, Transfer TITLE PARTNERS AGENCY LLC, TITLE PTRS AGCY LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 7, 2026 · Amount on Record
Deed Sale	May 7, 2026 · Amount on Record
Prior Sale	Dec 30, 1999 · Amount on Record
Deed Document Number	202621498
Prior Transfer Date	Aug 14, 2020
Prior Transfer Doc	0000590490
Record Updated	Sep 20, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	May 7, 2026
Property Address	164 KEYSTONE CROSSING DR, O FALLON, MO 63368-7078
Document Number	0000021498
Instrument Date	May 5, 2026
Instrument	202621498
Transaction Type	Transfer
Record Updated	Aug 6, 2026
Title Company	FREEDOM TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	164 KEYSTONE CROSSING DR, O FALLON, MO 63368-7078

Mortgage

Document Number	0000021499,
Date	May 7, 2026
Instrument	202621499

Lender

Name	FIRST STATE BANK/STATE CHARLES

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.38%
Initial Type	Fixed Rate
Max Rate	-1%

August 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CHARLES MO
Recording Date	Aug 17, 2020
Property Address	164 KEYSTONE CROSSING DR, O FALLON, MO 63368-7078
Document Number	0073731239
Book / Page	007373 / 001239
Instrument Date	Aug 14, 2020
Instrument	590490
Transaction Type	Transfer
Record Updated	Oct 1, 2020
Title Company	TITLE PARTNERS AGENCY LLC, TITLE PTRS AGCY LLC

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	428 WYATT DR ST PETERS MO 633767188, ST PETERS, MO 63376-7188

Tax Assessment & Valuation

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

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	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,984.00 (+0.61%)	$64,162 (+3.44%)	$337,695 (+3.44%) Land $77,000 Building $260,695
2024	$3,960.00
2023		$62,030
2022			$326,476 Land $66,000 Building $260,476

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 100 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 80% of the US · lower than 84% of Missouri
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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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