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

St. Charles County property record for 169 Keystone Crossing Dr, O Fallon, MO 63368

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,315 sqft · built 2000
Lot Size	0.37 acres (16,117 sqft)
Owner	2 Individual Names on Record
Last Sale	$256,000 (Dec 2018)
Tax Bill	$4,461 (2025)
Deeds & Mortgages	Dec 2019 Mortgage Dec 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T001700673`

Property Details

APN / Parcel Number

Primary APN	`T001700673`
Alternative APN	`4-0036-8257-00-0050.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,315 sqft Living Area
Gross Area	3,986 sqft
1st Floor Area	1,251 sqft
Basement Area	1,251 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Lot Area	16,117 sqft (0.37 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	190 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Heating Fuel	Solar
Sewer	Connected

Location & Zoning

Account Number	T001700673
Street Address	169 KEYSTONE CROSSING DR
City	O FALLON
State	MO
Zip	63368-7080
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	KEYSTONE CROSSING #3 LOT 50
Legal Subdivision	KEYSTONE CROSSING #3
Legal Lot Number	50
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	169 KEYSTONE CROSSING DR, O FALLON, MO 63368-7080
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 26, 2019	Deed of Trust, Mortgage MR COOPER
Dec 5, 2018	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jun 15, 2018	Warranty Deed, Transfer · Line of Credit FIRST STATE COMMUNITY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 5, 2018 · Amount on Record
Deed Sale	Dec 5, 2018 · Amount on Record
Prior Sale	Jun 15, 2018 · Amount on Record
Deed Document Number	2018680230
Deed Book / Page	7010 / 2230
Record Updated	Oct 29, 2026

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	169 KEYSTONE CROSSING DR, O FALLON, MO 63368-7080
Document Number	0072110401
Instrument Date	Dec 26, 2019
Transaction Type	Mortgage
Record Updated	Feb 13, 2020
Title Company	INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	169 KEYSTONE CROSSING DR O FALLON MO 633687080, O FALLON, MO 63368-7080

Mortgage

Document Number	0072110401
Date	Jan 6, 2020
Book Page	007211/000401
Instrument	7830

Lender

Name	MR COOPER
Address	COPPELL, TX 75019

Agreement

Amount	Amount Recorded
Term	300 Months
Due	Jan 5, 2045

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Dec 5, 2018
Property Address	169 KEYSTONE CROSSING DR, O FALLON, MO 63368-7080
Document Number	0070102230
Book / Page	7010 / 2230
Map Reference	MB 36 PG 86
Instrument Date	Nov 30, 2018
Instrument	20181205000680230
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	TITLE PARTNERS AGENCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	16566 BRANCHWOOD DR, 16566, WILDWOOD, MO 63011-1845

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	169 KEYSTONE CROSSING DR, O FALLON, MO 63368-7080

Mortgage

Document Number	20181205000680240
Date	Dec 5, 2018
Instrument	20181205000680240

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2048

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jun 15, 2018
Property Address	169 KEYSTONE CROSSING DR, O FALLON, MO 63368-7080
Document Number	0069341818
Book / Page	6934 / 1818
Map Reference	MB 36 PG 86
Instrument Date	Jun 15, 2018
Instrument	20180615000336230
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	STELLAR TITLE AGENCY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1360 CARRIAGE CROSSING LN, 1360, CHESTERFIELD, MO 63005-4452

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16566 BRANCHWOOD DR, WILDWOOD, MO 63011-1845

Mortgage

Document Number	20180615000336240
Date	Jun 15, 2018
Instrument	20180615000336240

Lender

Name	FIRST STATE COMMUNITY BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

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	Tax Bill	Assessed Value	Assessed Market Value
2026		$71,908 (-)	$378,461 (-) Land $77,000 Building $301,461
2025	$4,461.00	$71,908 (+4.23%)	$378,461 (+4.22%) Land $77,000 Building $301,461
2023		$68,993
2022			$363,120 Building $363,120

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 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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