199 Oak Crest Dr, O Fallon, MO 63366 Property Records

St. Charles County property record for 199 Oak Crest Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,924 sqft · built 2001
Lot Size	2.06 acres (90,169 sqft)
Owner	2 Individual Names on File
Last Sale	$62,500 (Oct 1999)
Tax Bill	$6,000 (2025)
Deeds & Mortgages	Jan 2020 Mortgage Dec 2016 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`T010300498`

Property Details

APN / Parcel Number

Primary APN	`T010300498`
Alternative APN	`2-050A-8630-00-026A.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,924 sqft Living Area
Gross Area	7,198 sqft
1st Floor Area	2,816 sqft
Basement Area	2,800 sqft
Finished Basement	108 sqft
Unfinished Basement	2,692 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Ranch
Exterior Material	Brick/Stone
Lot Area	90,169 sqft
Garage Type	Attached
Garage Area	1,582 sqft
Parking Spaces	4 Parking Spaces
Porch	Open Porch
Porch Area	394 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T010300498
Street Address	199 OAK CREST DR
City	O FALLON
State	MO
Zip	63366-1697
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TOWERING OAKS CORRECTED PLAT CONSOLIDATED LOTS 24-26 LOT 26A
Legal Subdivision	TOWERING OAKS CORRECTED PLAT CONSOLIDATE
Legal Lot Number	26A
Jurisdiction	ST CHARLES MO
Township / Civil Division	WENTZVILLE
Census Block Group	4
Census Block	4025
Census Tract	311802

Owner

199 Oak Crest Dr is owned and occupied by two individuals who acquired it in January 2017.

Source: St. Charles County records, as of August 7, 2026

Owner of Record	2 Individual Names on File
Mailing Address	199 OAK CREST DR, O FALLON, MO 63366-1697
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.

Deeds, Mortgages & Sale History

Date	Document
Jan 31, 2020	Deed of Trust, Mortgage · Conventional Mortgage THE FEDERAL SAVINGS BANK
Dec 20, 2016	Deed of Trust, Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 4, 1999 · Amount on File
Deed Sale	Oct 4, 1999 · Amount on File
Deed Document Number	199981402
Deed Book / Page	2314 / 280
Last Transfer Date	Jan 16, 2017
Transfer Doc	0066871013
Record Updated	Sep 20, 2026

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	199 OAK CREST DR, O FALLON, MO 63366-1697
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0072241612
Date	Jan 31, 2020
Book Page	7224/1612
Instrument	20200131000065680

Lender

Name	THE FEDERAL SAVINGS BANK
Type	Bank
Address	CHICAGO, IL 60607

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jan 1, 2035

December 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	199 OAK CREST DR, O FALLON, MO 63366-1697
Document Number	0066810643
Book / Page	006681 / 000643
Instrument Date	Dec 20, 2016
Transaction Type	Mortgage
Record Updated	Jan 10, 2017
Title Company	DOCUMENT PROCESSING SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	199 OAK CREST DR O FALLON MO 633661697, O FALLON, MO 63366-1697

Mortgage

Document Number	0066810643
Date	Jan 5, 2017
Book Page	006681/000643
Instrument	9390

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Amount	Amount on Record
Term	180 Months
Due	Jan 4, 2032

Tax Assessment & Valuation

The 2025 property tax bill for 199 Oak Crest Dr was $6,000, up 5.3% 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		$93,723 (-)	$493,278 (-) Land $65,000 Building $428,278
2025	$6,000.00 (+5.3%)	$93,723	$493,278 Land $65,000 Building $428,278
2024	$5,698.00
2023		$86,424
2022			$454,861 Land $50,000 Building $404,861

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 199 Oak Crest Dr in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
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 199 Oak Crest Dr is low, with less than 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 98% of the US · lower than 96% of Missouri
Wildfire Likelihood	Under 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 239 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Gateway Fiber Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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