1865 Highgrove Dr, O Fallon, MO 63366 Property Records

St. Charles County property record for 1865 Highgrove Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,701 sqft · built 1998
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on Record
Last Sale	$323,200 (Jul 2026)
Tax Bill	$3,724 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage May 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`A972001997`

Property Details

APN / Parcel Number

Primary APN	`A972001997`
Alternative APN	`2-0098-7651-00-0073.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,701 sqft Living Area
Gross Area	3,250 sqft
1st Floor Area	1,453 sqft
Basement Area	1,387 sqft
Finished Basement	1,248 sqft
Unfinished Basement	139 sqft

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Attached
Garage Area	410 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	139 sqft
Patio Area	80 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	A972001997
Street Address	1865 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 73
Legal Subdivision	HIGHGROVE PL #1
Legal Lot Number	73
Jurisdiction	ST CHARLES MO
Township / Civil Division	O'FALLON
Census Block Group	3
Census Block	3004
Census Tract	311604

Owner

Source: St. Charles County records, as of August 11, 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	1865 HIGHGROVE DR, O FALLON, MO 63366-4368
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Jul 30, 2026	Warranty Deed, Transfer · Conventional Mortgage PNC BANK
May 7, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage DELMAR FINANCIAL CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 30, 2026 · Amount on Record
Deed Sale	Jul 30, 2026 · Amount on Record
Prior Sale	May 7, 2020 · Amount on Record
Deed Document Number	202635955
Prior Transfer Date	Aug 3, 1999
Prior Transfer Doc	0000067683
Record Updated	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jul 30, 2026
Property Address	1865 HIGHGROVE DR, O FALLON, MO 63366-4368
Document Number	0000035955
Instrument Date	Jul 24, 2026
Instrument	202635955
Transaction Type	Transfer
Record Updated	Aug 11, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Estimated Sale Price
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1865 HIGHGROVE DR, O FALLON, MO 63366-4368

Mortgage

Document Number	0000035956,
Date	Jul 30, 2026
Instrument	202635956

Lender

Name	PNC BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.47%
Initial Type	Fixed Rate
Max Rate	-1%

May 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	May 7, 2020
Property Address	1865 HIGHGROVE DR, O FALLON, MO 63366-4368
Document Number	0072891566
Book / Page	7289 / 1566
Map Reference	MB 33 PG 382
Instrument Date	Apr 27, 2020
Instrument	20200507000294100
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	INVESTORS TITLE COMPANY

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1865 HIGHGROVE DR, O FALLON, MO 63366-4368

Mortgage

Document Number	20200507000294110
Date	May 7, 2020
Instrument	20200507000294110

Lender

Name	DELMAR FINANCIAL CO
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

Tax Assessment & Valuation

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		$57,931 (-)	$304,901 (-) Land $65,000 Building $239,901
2025	$3,724.00 (+1.86%)	$57,931 (+4.89%)	$304,901 (+4.89%) Land $65,000 Building $239,901
2024	$3,656.00
2023		$55,229
2022			$290,681 Land $50,000 Building $240,681

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 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

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.

Nearby Properties on Highgrove Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures