St. Charles County property record for 1805 Sapling Dr, O Fallon, MO 63366 · Last verified August 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1998 |
| Square Footage | 1,962 sqft Living Area |
| Lot Size | 20,038 sqft (0.46 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $408,975 (2026) |
| Tax Bill | $4,612.00 (2025) |
| Primary APN | A982000980 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Building Area | 1,962 sqft Living Area |
| Gross Area | 4,578 sqft Gross Area |
| 1st Floor | 1,962 sqft 1st Floor |
| Basement Area | 1,926 sqft Basement |
| Stories | 1 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Architectural Style | Ranch Style |
| Exterior Material | Brick/Stone (Brick and/or Stone) Exterior |
| Lot Area | 20,038 sqft (0.46 acres) |
| Parking Spaces | 3 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 690 sqft Garage |
| Deck Area | Deck Area |
|---|---|
| Patio Area | 160 sqft Patio |
| Porch | Open Porch |
| Porch Area | 68 sqft Porch |
| Heating Fuel | Gas Heating Fuel |
|---|---|
| Sewage | Sewage Connected |
| Water Source | Yes (Unknown Type) Water Source |
| Account Number | A982000980 |
|---|---|
| Street Address | 1805 SAPLING DR |
| City | O FALLON |
| State | MO |
| Zip | 63366-4377 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | HIGHGROVE PL #2 LOT 161 |
| Legal Subdivision | HIGHGROVE PL #2 |
| Legal Lot Number | 161 |
| Jurisdiction | ST CHARLES MO |
| Minor Civil Division | O'FALLON |
| Census Blockgroup | 2 |
| Census Block | 2000 |
| Census Tract | 311604 |
Source: St. Charles County records · APN A982000980
Assessment roll updated August 7, 2026 · Last verified August 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 File |
|---|---|
| Mailing Address | 1805 SAPLING DR, O FALLON, MO 63366-4377 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Husband And Wife |
| Date | Document |
|---|---|
| Oct 18, 2021 | Deed of Trust, Mortgage · Reverse Mortgage FIRST INTEGRITY MORTGAGE SERVICES INC |
| Oct 05, 2021 | Deed of Trust, Mortgage · Reverse Mortgage FIRST INTEGRITY MORTGAGE SERVICES INC |
| Apr 30, 2026 | Warranty Deed, Transfer · Conventional Mortgage COMMUNITYAMERICA CREDIT UNION |
| Oct 18, 2021 | Deed of Trust, Mortgage · Reverse Mortgage FIRST INTEGRITY MORTGAGE SERVICES INC |
| Oct 05, 2021 | Deed of Trust, Mortgage · Reverse Mortgage FIRST INTEGRITY MORTGAGE SERVICES INC |
| Jan 22, 2020 | Deed of Trust, Mortgage · Line of Credit FIRST COMMUNITY CU |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 30, 2026 · Amount on Record |
| Deed Sale | Apr 30, 2026 · Amount on Record |
| Prior Sale | Jul 07, 1998 · Amount on Record |
| Deed Doc Number | 202619938 |
| Prior Transfer Date | Sep 24, 2008 |
| Prior Transfer Doc | 0050530598 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 1805 SAPLING DR, O FALLON, MO 63366-4377 |
| Transaction Type | Mortgage |
| Record Updated | May 21, 2026 |
| Name | Verified Name |
|---|---|
| Address | 1805 SAPLING DR, O FALLON, MO 63366-4377 |
| Document Number | 0000086132 |
|---|---|
| Date | Oct 18, 2021 |
| Instrument | 2021R-086132 |
| Name | FIRST INTEGRITY MORTGAGE SERVICES INC |
|---|---|
| Type | Mortgage Company |
| Address | SAINT LOUIS, MO 63146 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 882 Months |
| Due | Apr 08, 2095 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.08% |
| Type Change Date | Nov 01, 2021 |
| Change Frequency | Annually |
| Index | 1-Year CMT |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 1805 SAPLING DR, O FALLON, MO 63366-4377 |
| Transaction Type | Mortgage |
| Record Updated | May 21, 2026 |
| Name | Verified Name |
|---|---|
| Address | 1805 SAPLING DR, O FALLON, MO 63366-4377 |
| Document Number | 0000082919 |
|---|---|
| Date | Oct 05, 2021 |
| Instrument | 2021R-082919 |
| Name | FIRST INTEGRITY MORTGAGE SERVICES INC |
|---|---|
| Type | Mortgage Company |
| Address | SAINT LOUIS, MO 63146 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 882 Months |
| Due | Apr 08, 2095 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.08% |
| Type Change Date | Nov 01, 2021 |
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Index | 1-Year CMT |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Apr 30, 2026 |
| Property Address | 1805 SAPLING DR, O FALLON, MO 63366-4377 |
| Document Number | 0000019938 |
| Instrument Date | Apr 29, 2026 |
| Instrument | 202619938 |
| Transaction Type | Transfer |
| Record Updated | Aug 12, 2026 |
| Title Company | TITLE PARTNERS |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | From Affidavit or Verified |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1805 SAPLING DR, O FALLON, MO 63366-4377 |
| Document Number | 0000019939, |
|---|---|
| Date | Apr 30, 2026 |
| Instrument | 202619939 |
| Name | COMMUNITYAMERICA CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 01, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.38% |
| Initial Type | Adjustable Rate |
| Adjustable | Document includes a rider for adjustable-rate mortgage with a specific rate change date. |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 1805 SAPLING DR, O FALLON, MO 63366-4377 |
| Transaction Type | Mortgage |
| Record Updated | Nov 01, 2021 |
| Name | Verified Name |
|---|---|
| Address | 1805 SAPLING DR, O FALLON, MO 63366-4377 |
| Document Number | 2021R086132 |
|---|---|
| Date | Oct 18, 2021 |
| Instrument | 2021R-086132 |
| Name | FIRST INTEGRITY MORTGAGE SERVICES INC |
|---|---|
| Type | Mortgage Company |
| Address | SAINT LOUIS, MO 63146 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 882 Months |
| Due | Apr 08, 2095 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.08% |
| Type Change Date | Nov 01, 2021 |
| Change Frequency | Annually |
| Index | 1-Year CMT |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 1805 SAPLING DR, O FALLON, MO 63366-4377 |
| Transaction Type | Mortgage |
| Record Updated | Oct 18, 2021 |
| Name | Verified Name |
|---|---|
| Address | 1805 SAPLING DR, O FALLON, MO 63366-4377 |
| Document Number | 2021R082919 |
|---|---|
| Date | Oct 05, 2021 |
| Instrument | 2021R-082919 |
| Name | FIRST INTEGRITY MORTGAGE SERVICES INC |
|---|---|
| Type | Mortgage Company |
| Address | SAINT LOUIS, MO 63146 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 882 Months |
| Due | Apr 08, 2095 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.08% |
| Type Change Date | Nov 01, 2021 |
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Index | 1-Year CMT |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 1805 SAPLING DR, O FALLON, MO 63366-4377 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | CLEAR TITLE GROUP |
| Name | Verified Name |
|---|
| Document Number | 0072191773 |
|---|---|
| Date | Jan 22, 2020 |
| Book Page | 7219/1773 |
| Instrument | 20200122000044060 |
| Name | FIRST COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Address | CHESTERFIELD, MO 63005 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jan 01, 2035 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
Source: St. Charles County records · Assessment roll updated August 7, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | O'Fallon City |
| Unified School District | Fort Zumwalt R-II School District (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $71,892 (-) | $378,377 (-) Land $71,500 Building $306,877 | |
| 2025 | $4,612.00 (+5.8%) | $71,892 (+8.98%) | $378,377 (+8.98%) Land $71,500 Building $306,877 |
| 2024 | $4,359.00 | ||
| 2023 | $65,967 | ||
| 2022 | $347,194 Land $55,000 Building $292,194 |
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