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2 Democracy Cir, O Fallon, MO 63368 Property Records

St. Charles County property record for 2 Democracy Cir, O Fallon, MO 63368

Property Summary

Property TypeSingle Family Home
Details4 bd · 2.5 ba · 3,109 sqft · built 1989
Lot Size0.26 acres (11,326 sqft)
OwnerIndividual Name on File
Last Sale$318,150 (Jul 2026)
Tax Bill$4,558 (2025)
Deeds & MortgagesJul 2026 Mortgage
Flood ZoneZone X (minimal risk)
APNA902001096

Property Details

APN / Parcel Number

Primary APNA902001096
Alternative APN
  • 2-0129-6537-00-0053.0000000

Interior

Bedrooms4 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Total Rooms8 Rooms
Stories2 Stories
Building Area3,109 sqft Living Area
Gross Area3,853 sqft
1st Floor Area1,175 sqft
Basement Area1,141 sqft
Finished Basement881 sqft
Unfinished Basement260 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1989
Effective Year BuiltEffective 1989
Architectural StyleBi-Level
Exterior MaterialAluminum/Vinyl
Roof TypeGable
Roof MaterialAsphalt
Lot Area11,326 sqft (0.26 acres)
Garage TypeAttached
Garage Area484 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

PorchOpen Porch
Porch Area40 sqft
Deck AreaDeck Area
Patio Area180 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C
Heating FuelGas
SewerConnected

Location & Zoning

Account NumberA902001096
Street Address2 DEMOCRACY CIR
CityO FALLON
StateMO
Zip63368-8545
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionMONTICELLO VLG C LOT 53
Legal SubdivisionMONTICELLO VLG C
Legal Lot Number53
JurisdictionST CHARLES MO
Township / Civil DivisionWELDON SPRING
Census Block Group3
Census Block3002
Census Tract311151

Owner

2 Democracy Cir is owned and occupied by an individual who bought it in July 2026.

Source: St. Charles County records, as of August 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 RecordIndividual Name on File
Mailing Address2 DEMOCRACY CIR, O FALLON, MO 63368-8545
OccupancyOwner Occupied
Owner TypeIndividual
VestingMarried

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJul 28, 2026 · Amount on File
Deed SaleJul 28, 2026 · Amount on File
Prior SaleAug 1, 2014 · Amount on File
Deed Document Number202635352
Prior Transfer DateDec 16, 2024
Prior Transfer Doc0000053384
Record UpdatedOct 29, 2026

July 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionST CHARLES MO
Recording DateJul 28, 2026
Property Address2 DEMOCRACY CIR, O FALLON, MO 63368-8545
Document Number0000035352
Instrument DateJul 27, 2026
Instrument202635352
Transaction TypeTransfer
Record UpdatedOct 23, 2026
Title CompanyGUARANTEED LAND TITLE LLC, GUARANTEED RATE AFFINITY LLC

Transaction

Tax$0.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address2 DEMOCRACY CIR, O FALLON, MO 63368-8545

Mortgage

Document Number0000035354,
DateJul 28, 2026
Instrument202635354
Lender
NameGUARANTEED RATE AFFINITY LLC
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueAug 1, 2056
Interest
Rate TypeFixed Rate
Initial TypeFixed Rate
Max Rate-1%

Tax Assessment & Valuation

The 2025 property tax bill for 2 Democracy Cir was $4,558.

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

Property Jurisdictions

TypeName
StateMissouri
CountySt. Charles County
MunicipalityO'Fallon City
Unified School DistrictFort Zumwalt R-II School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$69,893 (-)$367,856 (-) Land $65,800 Building $302,056
2025$4,558.00$69,893$367,856 Land $65,800 Building $302,056
2023$65,682
2022$345,695 Land $50,000 Building $295,695

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 Democracy Cir in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective August 25, 2024

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 2 Democracy Cir is low, with a 0.03% annual chance of wildfire.

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

Wildfire RiskLow
lower than 94% of the US · lower than 91% of Missouri
Wildfire Likelihood0.03% annual chance
ExposureNone
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 SystemST CHARLES COUNTY PWSD 2
serves 100,587 people · EPA ID MO6024530
Water SourcePurchased surface water from ST LOUIS CITY PWS
Last State InspectionAug 2023
Lead2 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 38 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Cable · Fiber in parts of the area		1,000 / 1,000
Wisper ISP
Fixed Wireless		400 / 30
Starlink
Satellite		280 / 30
T-Mobile
Fixed Wireless		100 / 20

May also be available: AT&T, Gateway Fiber, i3 Broadband.

Nearby Properties on Democracy Cir

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