1845 Highgrove Dr, O Fallon, MO 63366 Property Records

St. Charles County property record for 1845 Highgrove Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,675 sqft · built 1997
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on File
Last Sale	$284,000 (Jan 2022)
Tax Bill	$3,947 (2025)
Deeds & Mortgages	Jan 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`A972002017`

Property Details

APN / Parcel Number

Primary APN	`A972002017`
Alternative APN	`2-0098-7651-00-0093.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,675 sqft Living Area
Gross Area	3,677 sqft
1st Floor Area	1,675 sqft
Basement Area	1,595 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Ranch
Exterior Material	Brick/Stone
Lot Area	10,019 sqft (0.23 acres)
Garage Type	Attached
Garage Area	407 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	108 sqft
Patio Area	196 sqft

Utilities, Heating & Cooling

Heating Fuel	Solar
Sewer	Connected

Location & Zoning

Account Number	A972002017
Street Address	1845 HIGHGROVE DR
City	O FALLON
State	MO
Zip	63366-4368
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HIGHGROVE PL #1 LOT 93
Legal Subdivision	HIGHGROVE PL #1
Legal Lot Number	93
Jurisdiction	ST CHARLES MO
Township / Civil Division	O'FALLON
Census Block Group	3
Census Block	3004
Census Tract	311604

Owner

1845 Highgrove Dr is owned and occupied by two individuals who bought it in January 2022.

Source: St. Charles County records, as of September 10, 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 File
Mailing Address	1845 HIGHGROVE DR, O FALLON, MO 63366-4368
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 10, 2022 · Amount on File
Deed Sale	Jan 10, 2022 · Amount on File
Prior Sale	Jan 10, 2022 · Amount on File
Deed Document Number	20221919
Prior Transfer Date	Oct 5, 2011
Prior Transfer Doc	0056530024
Record Updated	Oct 29, 2026

January 2022: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jan 10, 2022
Property Address	1845 HIGHGROVE DR, O FALLON, MO 63366-4368
Document Number	0000001919
Map Reference	MB 33 PG 382
Instrument Date	Dec 29, 2021
Instrument	2022R-001919
Transaction Type	Transfer
Record Updated	Jan 26, 2022
Title Company	TITLE PARTNERS AGENCY LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1845 HIGHGROVE DR, O FALLON, MO 63366-4368

Mortgage

Document Number	0000001920
Date	Jan 10, 2022
Instrument	2022R-001920

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 1845 Highgrove Dr was $3,947, up 4.9% from the year before.

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	Fort Zumwalt R-II School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$61,441 (-)	$323,372 (-) Land $65,000 Building $258,372
2025	$3,947.00 (+4.95%)	$61,441	$323,372 Land $65,000 Building $258,372
2024	$3,761.00
2023		$56,823
2022			$299,067 Land $50,000 Building $249,067

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

FEMA maps place 1845 Highgrove Dr in Zone X, an area of minimal flood risk.

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 9 (5% premium discount)
Nearby Flood Policies	1 in force

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

Wildfire risk around 1845 Highgrove Dr is low, with a 0.01% annual chance of 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	OFALLON PWS serves 32,515 people · EPA ID MO6010588
Water Source	Purchased surface water from several systems
Last State Inspection	Aug 2024
Lead	2 ppb (2023–2025) 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 453 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Gateway Fiber Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Socket Telecom, Verizon, Wisper ISP.

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