2 Osperey Way, O Fallon, MO 63368 Property Records

St. Charles County property record for 2 Osperey Way, O Fallon, MO 63368

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,388 sqft · built 1996
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on File
Last Sale	$203,200 (Nov 2011)
Tax Bill	$4,844 (2025)
Deeds & Mortgages	Oct 2018 Mortgage Dec 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`A972000462`

Property Details

APN / Parcel Number

Primary APN	`A972000462`
Alternative APN	`2-0130-7519-00-0005.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,388 sqft Living Area
Gross Area	4,095 sqft
1st Floor Area	1,268 sqft
Basement Area	1,232 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Lot Area	10,890 sqft (0.25 acres)
Garage Type	Attached
Garage Area	475 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	45 sqft
Patio Area	80 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	A972000462
Street Address	2 OSPEREY WAY
City	O FALLON
State	MO
Zip	63368-8039
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AE9
Legal Description	VLGS AT DARDENNE OAKLAND VLG LOT 5
Legal Subdivision	VLGS AT DARDENNE OAKLAND VLG
Legal Lot Number	5
Jurisdiction	ST CHARLES MO
Township / Civil Division	BOONE
Census Block Group	2
Census Block	2003
Census Tract	311152

Owner

2 Osperey Way is owned and occupied by two individuals who acquired it in April 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	2 OSPEREY WAY, O FALLON, MO 63368-8039
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
Oct 10, 2018	Deed of Trust, Mortgage · ARM FIRST COMMUNITY CU
Dec 4, 2020	Deed of Trust, Mortgage DAS ACQUISITION
Apr 19, 2017	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 16, 2011 · Amount on File
Deed Sale	Nov 16, 2011 · Amount on File
Prior Sale	Aug 21, 2008 · Amount on File
Deed Document Number	2011708690
Deed Book / Page	5675 / 2294
Last Transfer Date	Apr 4, 2017
Transfer Doc	0000234930
Record Updated	Oct 29, 2026

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	2 OSPEREY WAY, O FALLON, MO 63368-8039
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TOUCHSTONE TITLE & ABSTRACT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0069881346
Date	Oct 10, 2018
Book Page	6988/1346
Instrument	20181010000579540

Lender

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

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4%
Type Change Date	Nov 1, 2025
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	6%
Index	1-Year CMT
Max Rate	10%

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	2 OSPEREY WAY, O FALLON, MO 63368-8039
Document Number	0000096759
Instrument Date	Dec 4, 2020
Transaction Type	Mortgage
Record Updated	Mar 3, 2021
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2 OSPEREY WAY O FALLON MO 633688039, O FALLON, MO 63368-8039

Mortgage

Document Number	0000096759
Date	Dec 9, 2020
Instrument	96759

Lender

Name	DAS ACQUISITION
Address	ST LOUIS, MO 63141

Agreement

Amount	Amount on Record
Term	240 Months
Due	Dec 8, 2040

April 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Apr 19, 2017
Property Address	2 OSPEREY WAY, O FALLON, MO 63368-8039
Document Number	0067292364
Book / Page	6729 / 2364
Map Reference	MB 33 PG 192&194
Instrument Date	Apr 4, 2017
Instrument	20170419000234930
Transaction Type	Transfer
Record Updated	Aug 9, 2021

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2 OSPEREY WAY, DARDENNE PRAIRIE, MO 63368-8039

Tax Assessment & Valuation

The 2025 property tax bill for 2 Osperey Way was $4,844, up 2.1% 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		$75,546 (-)	$397,608 (-) Land $75,000 Building $322,608
2025	$4,844.00 (+2.13%)	$75,546	$397,608 Land $75,000 Building $322,608
2024	$4,743.00
2023		$70,919
2022			$373,260 Land $50,000 Building $323,260

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 Osperey Way in Zone X, an area of minimal flood risk.

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	2 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 2 Osperey Way 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 99.8% of the US · lower than 99.6% 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	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 280 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
i3 Broadband Fiber	8,000 / 8,000
Gateway Fiber Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30

May also be available: T-Mobile, Verizon.

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