165 Cardow Dr, O Fallon, MO 63368 Property Records

St. Charles County property record for 165 Cardow Dr, O Fallon, MO 63368

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,746 sqft · built 2025
Lot Size	0.192 acres (8,368 sqft)
Owner	Individual Name on Record
Last Sale	$667,128 (Jun 2026)
Tax Bill	$876 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Apr 2026 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T252000048`

Property Details

APN / Parcel Number

Primary APN	`T252000048`
Alternative APN	`4-0068-D471-00-0559.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,746 sqft Living Area
Gross Area	4,088 sqft
Basement Area	1,342 sqft

Exterior

Year Built	Built 2025
Effective Year Built	Effective 2025
Architectural Style	Bi-Level
Lot Area	8,368 sqft (0.192 acres)

Location & Zoning

Account Number	T252000048
Street Address	165 CARDOW DR
City	O FALLON
State	MO
Zip	63368-5624
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	STREETS OF CALEDONIA #9 LOT 559
Legal Subdivision	STREETS OF CALEDONIA #9
Legal Lot Number	559
Jurisdiction	ST CHARLES MO
Township / Civil Division	BOONE
Census Block Group	2
Census Block	2010
Census Tract	312207

Owner

Source: St. Charles County records, as of September 14, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	165 CARDOW DR, O FALLON, MO 63368-5624
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jun 11, 2026	Warranty Deed · Conventional Mortgage VICTORY MORTGAGE
Apr 29, 2026	Special Warranty Deed, Construction Loan NONE LISTED ON DOCUMENT
Feb 18, 2026	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage VICTORY MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 11, 2026 · Amount on Record
Deed Sale	Jun 11, 2026 · Amount on Record
Prior Sale	Apr 29, 2026
Deed Document Number	202627383
Record Updated	Oct 29, 2026

June 2026: Warranty Deed

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jun 11, 2026
Property Address	165 CARDOW DR, O FALLON, MO 63368-5624
Document Number	0000027383
Instrument Date	May 18, 2026
Instrument	202627383
Record Updated	Jun 22, 2026
Title Company	HOMESTEAD TITLE COMPANY, HOMESTEAD TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Estimated Sale Price

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	165 CARDOW DR, O FALLON, MO 63368-5624

Mortgage

Document Number	0000027384,
Date	Jun 11, 2026
Instrument	202627384

Lender

Name	VICTORY MORTGAGE

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

April 2026: Special Warranty Deed, Construction Loan

Document Type	Special Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Apr 29, 2026
Property Address	165 CARDOW DR, O FALLON, MO 63368-5624
Document Number	0000019864
Instrument Date	Apr 22, 2026
Instrument	202619864
Transaction Type	Construction Loan
Record Updated	Aug 28, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership
Address	3940 OLYMPIC BLVD, 400, ERLANGER, KY 41018-3593
Investor	Possibly a Property Investor

February 2026: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Feb 18, 2026
Property Address	165 CARDOW DR, O FALLON, MO 63368-5624
Document Number	0000007252
Map Reference	DOC 2024R-000108
Instrument Date	Feb 12, 2026
Instrument	2026R-007252
Transaction Type	Subdivision Related Transfer
Record Updated	Jul 1, 2026
Title Company	HOMESTEAD TITLE COMPANY, HOMESTEAD TITLE AGENCY LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3940 OLYMPIC BLVD STE 400, 400, ERLANGER, KY 41018-3593

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	165 CARDOW DR, O FALLON, MO 63368-5624

Mortgage

Document Number	0000007253
Date	Feb 18, 2026
Instrument	2026R-007253

Lender

Name	VICTORY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

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		$13,300 (-)	$70,000 (-) Land $70,000
2025	$876.00	$13,300	$70,000 Land $70,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective August 25, 2024

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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	0.01% 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 157 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber · Cable in parts of the area	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30
Verizon Fixed Wireless	300 / 20

May also be available: Gateway Fiber, i3 Broadband, Sparklight, T-Mobile.

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