2 Bayport Ct, O Fallon, MO 63368 Property Records

St. Charles County property record for 2 Bayport Ct, O Fallon, MO 63368

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,242 sqft · built 2002
Lot Size	0.32 acres (13,939 sqft)
Owner	2 Individual Names on File
Last Sale	$256,500 (Jun 2018)
Tax Bill	$5,423 (2025)
Deeds & Mortgages	Jul 2019 Mortgage Sep 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`T012500446`

Property Details

APN / Parcel Number

Primary APN	`T012500446`
Alternative APN	`2-0066-8563-00-0273.0000000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	3,242 sqft Living Area
Gross Area	4,710 sqft
1st Floor Area	2,742 sqft
Basement Area	1,338 sqft
Finished Basement	500 sqft
Unfinished Basement	838 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	13,939 sqft (0.32 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	630 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	162 sqft
Patio Area	196 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T012500446
Street Address	2 BAYPORT CT
City	O FALLON
State	MO
Zip	63368-6684
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VLGS AT HUTCHINGS FARM #2 LOT 273
Legal Subdivision	VLGS AT HUTCHINGS FARM #2
Legal Lot Number	273
Jurisdiction	ST CHARLES MO
Township / Civil Division	DARDENNE
Census Block Group	2
Census Block	2015
Census Tract	311735

Owner

2 Bayport Ct is owned and occupied by two individuals who bought it in June 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	2 BAYPORT CT, O FALLON, MO 63368-6684
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
Jul 23, 2019	Deed of Trust, Mortgage · Conventional Mortgage FIRST COMMUNITY CU
Sep 9, 2020	Deed of Trust, Mortgage FIRST CMNTY CU
Jun 20, 2018	Warranty Deed, Transfer · FHA Mortgage GUILD MORTGAGE CO
May 23, 2017	Intrafamily Transfer, Transfer · Conventional Mortgage PNC MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 20, 2018 · Amount on File
Deed Sale	Jun 20, 2018 · Amount on File
Prior Sale	May 23, 2017 · Amount on File
Deed Document Number	2018345110
Deed Book / Page	6936 / 1982
Prior Transfer Date	Feb 7, 2017
Prior Transfer Doc	0067471635
Record Updated	Oct 29, 2026

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	2 BAYPORT CT, O FALLON, MO 63368-6684
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0071100351
Date	Jul 23, 2019
Book Page	7110/0351
Instrument	20190723000377600

Lender

Name	FIRST COMMUNITY CU
Type	Credit Union
Address	CHESTERFIELD, MO 63005

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2049

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	2 BAYPORT CT, O FALLON, MO 63368-6684
Document Number	0000068516
Instrument Date	Sep 9, 2020
Transaction Type	Mortgage
Record Updated	Oct 29, 2020
Title Company	TOUCHSTONE TITLE AND ABSTRACT, TOUCHSTONE TITLE & ABSTR

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2 BAYPORT CT O FALLON MO 633686684, O FALLON, MO 63368-6684

Mortgage

Document Number	0000068516
Date	Sep 16, 2020
Instrument	68516

Lender

Name	FIRST CMNTY CU
Address	CHESTERFIELD, MO 63005

Agreement

Amount	Amount on Record
Term	360 Months
Due	Sep 15, 2050

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jun 20, 2018
Property Address	2 BAYPORT CT, O FALLON, MO 63368-6684
Document Number	0069361982
Book / Page	6936 / 1982
Map Reference	MB 37 PG 140
Instrument Date	Jun 13, 2018
Instrument	20180620000345110
Transaction Type	Transfer
Record Updated	Aug 9, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9944 W FLORISSANT AVE, 9944, SAINT LOUIS, MO 63136-1432

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	9 PINEHURST CT, O FALLON, MO 63376-3054

Mortgage

Document Number	20180620000345120
Date	Jun 20, 2018
Instrument	20180620000345120

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2048

May 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	May 23, 2017
Property Address	2 BAYPORT CT, O FALLON, MO 63368-6684
Document Number	0067471635
Book / Page	6747 / 1635
Map Reference	MB 37 PG 140
Instrument Date	Feb 7, 2017
Instrument	20170523000315200
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	NATIONALLINK

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2 BAYPORT CT, O FALLON, MO 63368-6684

Mortgage

Document Number	20170523000315210
Date	May 23, 2017
Instrument	20170523000315210

Lender

Name	PNC MORTGAGE LLC
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jun 1, 2032

Tax Assessment & Valuation

The 2025 property tax bill for 2 Bayport Ct was $5,423, up 7.2% 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		$84,646 (-)	$445,507 (-) Land $75,000 Building $370,507
2025	$5,423.00 (+7.24%)	$84,646	$445,507 Land $75,000 Building $370,507
2024	$5,057.00
2023		$76,640
2022			$403,369 Land $55,000 Building $348,369

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 2 Bayport Ct in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2020.

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	3 in force
Nearby Flood Claims	1 (2020)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2020 · rainfall accumulation

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

The area around 2 Bayport Ct has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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	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
Also Mapped Here	MO AMERICAN ST LOUIS ST CHARLES COUNTIES
Lead	2 ppb (2026) 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 511 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
i3 Broadband Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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