1706 Rivercroft Dr, O Fallon, MO 63366 Property Records

St. Charles County property record for 1706 Rivercroft Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,648 sqft · built 2019
Lot Size	0.189 acres (8,233 sqft)
Owner	2 Individual Names on Record
Last Sale	$265,453 (Dec 2019)
Tax Bill	$4,025 (2025)
Deeds & Mortgages	Dec 2023 Second Mortgage Jul 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`T190300238`

Property Details

APN / Parcel Number

Primary APN	`T190300238`
Alternative APN	`2-0012-C706-00-0529.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,648 sqft Living Area
Basement Area	1,648 sqft
Finished Basement	824 sqft

Exterior

Year Built	Built 2019
Exterior Material	Composition/Composite
Lot Area	8,233 sqft (0.189 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Location & Zoning

Account Number	T190300238
Street Address	1706 RIVERCROFT DR
City	O FALLON
State	MO
Zip	63366-1962
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RIVERDALE VLG C #3-A LOT 529
Legal Range	02E
Legal Township	48N
Legal Subdivision	RIVERDALE VLG C #3-A
Legal Lot Number	529
Jurisdiction	ST CHARLES MO
Township / Civil Division	WENTZVILLE
Census Block Group	2
Census Block	2008
Census Tract	312001

Owner

Source: St. Charles County records, as of March 16, 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	1706 RIVERCROFT DR, O FALLON, MO 63366-1962
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 13, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK
Jul 7, 2022	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Dec 9, 2020	Deed of Trust, Mortgage GUARANTEED RATE
Dec 9, 2019	Warranty Deed, Subdivision Related Transfer GUARANTEED RATE
Apr 1, 2019	Loan Modification, Mortgage NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 9, 2019 · Amount on Record
Deed Sale	Dec 9, 2019 · Amount on Record
Deed Document Number	0071952206
Deed Book / Page	7195 / 2206
Record Updated	Jun 8, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1706 RIVERCROFT DR, O FALLON, MO 63366-1962
Transaction Type	Mortgage
Record Updated	Dec 28, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1706 RIVERCROFT DR, O FALLON, MO 63366-1962

Mortgage

Document Number	0000050638
Date	Dec 13, 2023
Instrument	2023R-050638

Lender

Name	DISCOVER BANK
Type	Bank
Address	GREENWOOD, DE 19950

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 13, 2053

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1706 RIVERCROFT DR, O FALLON, MO 63366-1962
Transaction Type	Mortgage
Record Updated	Jul 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1706 RIVERCROFT DR, O FALLON, MO 63366-1962

Mortgage

Document Number	0000037776
Date	Jul 7, 2022
Instrument	2022R-037776

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	PROSPECT, OH 43342

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2052

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1706 RIVERCROFT DR, O FALLON, MO 63366-1962
Document Number	0000099730
Instrument Date	Dec 9, 2020
Transaction Type	Mortgage
Record Updated	Mar 15, 2021
Title Company	RAVENSWOOD TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	1706 RIVERCROFT DR ST PAUL MO 633661962, ST PAUL, MO 63366-1962

Mortgage

Document Number	0000099730
Date	Dec 18, 2020
Instrument	99730

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Dec 17, 2050

December 2019: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Dec 9, 2019
Property Address	1706 RIVERCROFT DR, O FALLON, MO 63366-1962
Document Number	0071952206
Book / Page	007195 / 002206
Instrument Date	Dec 9, 2019
Instrument	706410
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 6, 2020
Title Company	ARC

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	1706 RIVERCROFT CT ST PAUL MO 633661962, ST PAUL, MO 63366-1962

Mortgage

Document Number	71952208
Date	Dec 9, 2019
Book Page	007195/002208
Instrument	706420

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Dec 8, 2049

April 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST CHARLES MO
Property Address	1706 RIVERCROFT DR, O FALLON, MO 63366-1962
Document Number	0070541156
Instrument Date	Apr 1, 2019
Transaction Type	Mortgage
Record Updated	Aug 14, 2019
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	10407 BAUR BLVD #B ST LOUIS MO 631321904, B, ST LOUIS, MO 63132-1904
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Municipality	St. Paul City
Unified School District	Fort Zumwalt R-II School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,025.00	$65,567 (+0.66%)	$345,089 (+0.66%) Land $70,000 Building $275,089
2023		$65,138
2022			$342,833 Land $55,000 Building $287,833

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	25 (1982–2015)
Claims Outside the SFHA	1 of 25
Most Recent Claim	Jun 2015 · river or lake flooding
Claims by Event	Severe Storms, Tornadoes, Flooding, Apr 1994 · 3 claims Severe Storms & Flooding, Sep 1993 · 8 claims

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 99.8% of the US · lower than 99.6% 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 PAUL PWS serves 1,700 people · EPA ID MO6011535
Water Source	Groundwater
Last State Inspection	Aug 2024
Lead	Under 1 ppb (2022–2024) 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 175 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Gateway Fiber Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Brightspeed, Verizon.

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