St. Charles County property record for 185 Cardow Dr, O Fallon, MO 63368
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,885 sqft · built 2024 |
| Lot Size | 0.192 acres (8,368 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $623,746 (Mar 2025) |
| Tax Bill | $6,116 (2025) |
| Deeds & Mortgages | Mar 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | T252000058 |
| Primary APN | T252000058 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 2,885 sqft Living Area |
| Gross Area | 4,782 sqft |
| Basement Area | 1,897 sqft |
| Year Built | Built 2024 |
|---|---|
| Effective Year Built | Effective 2024 |
| Architectural Style | Bi-Level |
| Exterior Material | Stone |
| Lot Area | 8,368 sqft (0.192 acres) |
| Account Number | T252000058 |
|---|---|
| Street Address | 185 CARDOW DR |
| City | O FALLON |
| State | MO |
| Zip | 63368-5624 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | STREETS OF CALEDONIA #9 LOT 569 |
| Legal Subdivision | STREETS OF CALEDONIA #9 |
| Legal Lot Number | 569 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | BOONE |
| Census Block Group | 2 |
| Census Block | 2022 |
| Census Tract | 312207 |
185 Cardow Dr is owned and occupied by two individuals who bought it in March 2025.
Source: St. Charles County records, as of September 10, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 185 CARDOW DR, O FALLON, MO 63368-5624 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Couple |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 12, 2025 · Amount on File |
| Deed Sale | Mar 12, 2025 · Amount on File |
| Deed Document Number | 20259598 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 185 CARDOW DR, O FALLON, MO 63368-5624 |
| Transaction Type | Mortgage |
| Record Updated | Mar 19, 2026 |
| Name | Verified Name |
|---|---|
| Address | 185 CARDOW DR, O FALLON, MO 63368-5624 |
| Document Number | 0000010043 |
|---|---|
| Date | Mar 4, 2026 |
| Instrument | 2026R-010043 |
| Name | GUILD MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92111 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 1, 2056 |
The 2025 property tax bill for 185 Cardow Dr was $6,116.
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Unified School District | Wentzville R-IV School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $118,512 | $623,746 Land $70,000 Building $553,746 | |
| 2025 | $6,116.00 |
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 185 Cardow Dr in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective August 25, 2024
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 185 Cardow Dr is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 65% of the US · lower than 75% of Missouri |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 175 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Fiber · Cable in parts of the area | 1,000 / 1,000 |
| Wisper ISP Fixed Wireless | 400 / 30 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: AT&T, Brightspeed, Sparklight.
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