St. Charles County property record for 178 Keystone Ridge Dr, O Fallon, MO 63366
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,222 sqft · built 2019 |
| Lot Size | 0.401 acres (17,511 sqft) |
| Owner | Individual Name on File |
| Last Sale | $439,183 (May 2019) |
| Tax Bill | $5,314 (2025) |
| Deeds & Mortgages | Sep 2021 Mortgage May 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | T180200085 |
| Primary APN | T180200085 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 3,222 sqft Living Area |
| Basement Area | 1,482 sqft |
| Year Built | Built 2019 |
|---|---|
| Exterior Material | Brick/Stone |
| Lot Area | 17,511 sqft (0.401 acres) |
| Garage Type | Attached |
| Parking Spaces | 3 Parking Spaces |
| Sewer | Connected |
|---|
| Account Number | T180200085 |
|---|---|
| Street Address | 178 KEYSTONE RIDGE DR |
| City | O FALLON |
| State | MO |
| Zip | 63366-5094 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | KEYSTONE RIDGE LOT 38 |
| Legal Range | 02E |
| Legal Township | 47N |
| Legal Subdivision | KEYSTONE RIDGE |
| Legal Lot Number | 38 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | WENTZVILLE |
| Census Block Group | 3 |
| Census Block | 3085 |
| Census Tract | 312095 |
178 Keystone Ridge Dr is owned and occupied by an individual who bought it in May 2019.
Source: St. Charles County records, as of March 16, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 178 KEYSTONE RIDGE DR, O FALLON, MO 63366-5094 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 10, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| May 1, 2019 | Warranty Deed, Transfer · Conventional Mortgage BUSEY BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 1, 2019 · Amount on File |
| Deed Sale | May 1, 2019 · Amount on File |
| Deed Document Number | 0007067133 |
| Deed Book / Page | 7067 / 133 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 178 KEYSTONE RIDGE DR, O FALLON, MO 63366-5094 |
| Transaction Type | Mortgage |
| Record Updated | Sep 29, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2021R075885 |
|---|---|
| Date | Sep 10, 2021 |
| Instrument | 2021R-075885 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | May 1, 2019 |
| Property Address | 178 KEYSTONE RIDGE DR, O FALLON, MO 63366-5094 |
| Document Number | 0070670133 |
| Book / Page | 7067 / 0133 |
| Map Reference | MB 49 PG 332 |
| Instrument Date | Apr 29, 2019 |
| Instrument | 20190501000200920 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Title Company | DEPENDABLE TITLE LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 16091 SWINGLEY RIDGE RD # RD300, 16091, CHESTERFIELD, MO 63017-2005 |
| Name | Verified Name |
|---|---|
| Address | 178 KEYSTONE RIDGE DR, O FALLON, MO 63366-5094 |
| Document Number | 20190501000200930 |
|---|---|
| Date | May 1, 2019 |
| Instrument | 20190501000200930 |
| Name | BUSEY BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2049 |
The 2025 property tax bill for 178 Keystone Ridge Dr was $5,314.
Source: St. Charles County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | O'Fallon City |
| Unified School District | Wentzville R-IV School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,314.00 | $85,349 | $449,206 Land $50,000 Building $399,206 |
| 2023 | $90,845 | ||
| 2022 | $478,132 Land $50,000 Building $428,132 |
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.
FEMA maps place 178 Keystone Ridge Dr in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2022.
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 | 1 (2022) |
| Most Recent Claim | Jul 2022 · Severe Storms And Flooding |
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 risk around 178 Keystone Ridge Dr is low, with a 0.05% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 62% of the US · lower than 69% of Missouri |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 82 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
May also be available: Brightspeed, Verizon, Wisper ISP.
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