2 Quaint Cottage Ct, O Fallon, MO 63368 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,862 sqft · built 1999
Lot Size	0.28 acres (12,197 sqft)
Owner	2 Individual Names on Record
Last Sale	$187,560 (Nov 1999)
Tax Bill	$4,599 (2024)
Deeds & Mortgages	Aug 2020 Line of Credit Jun 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`T001600284`

Property Details

APN / Parcel Number

Primary APN	`T001600284`
Alternative APN	`2-0129-8146-00-1340.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,862 sqft Living Area
Gross Area	4,148 sqft
1st Floor Area	1,862 sqft
Basement Area	1,780 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Ranch
Exterior Material	Brick/Stone
Lot Area	12,197 sqft (0.28 acres)
Garage Type	Attached
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	628 sqft
Patio Area	80 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T001600284
Street Address	2 QUAINT COTTAGE CT
City	O FALLON
State	MO
Zip	63368-7173
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VLGS AT DARDENNE PRAIRIE VILLAS #3 UNIT 1340
Legal Subdivision	VLGS AT DARDENNE PRAIRIE VILLAS #3
Legal Lot Number	1340
Jurisdiction	ST CHARLES MO
Township / Civil Division	WELDON SPRING
Census Block Group	1
Census Block	1013
Census Tract	311152

Owner

Source: St. Charles County records, as of August 7, 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	2 QUAINT COTTAGE CT, O FALLON, MO 63368-7173
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 21, 2020	Deed of Trust, Mortgage · Line of Credit COMMERCE BK
Jun 1, 2020	Deed of Trust, Mortgage FIRST ST BK/ST CHARLES

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 30, 1999 · Amount on Record
Deed Sale	Nov 30, 1999 · Amount on Record
Deed Document Number	199994701
Deed Book / Page	2335 / 1698
Last Transfer Date	Sep 20, 2013
Transfer Doc	0061071856
Record Updated	Sep 20, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	2 QUAINT COTTAGE CT, O FALLON, MO 63368-7173
Document Number	0000070016
Instrument Date	Aug 21, 2020
Transaction Type	Mortgage
Record Updated	Nov 3, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2 QUAINT COTTAGE CT O FALLON MO 633687173, O FALLON, MO 63368-7173

Mortgage

Document Number	0000070016
Date	Sep 21, 2020
Instrument	70016

Lender

Name	COMMERCE BK
Type	Bank
Address	KANSAS CITY, MO 64106

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Sep 20, 2030

Interest

Rate Type	Adjustable Rate

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	2 QUAINT COTTAGE CT, O FALLON, MO 63368-7173
Document Number	0073140686
Instrument Date	Jun 1, 2020
Transaction Type	Mortgage
Record Updated	Aug 13, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2 QUAINT COTTAGE CT O FALLON MO 633687173, O FALLON, MO 63368-7173

Mortgage

Document Number	0073140686
Date	Jun 8, 2020
Book Page	007314/000686
Instrument	379400

Lender

Name	FIRST ST BK/ST CHARLES
Type	Bank
Address	SAINT CHARLES, MO 63301

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 7, 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		$74,093 (-)	$389,965 (-) Land $75,000 Building $314,965
2025		$74,093 (+6.39%)	$389,965 (+6.39%) Land $75,000 Building $314,965
2024	$4,599.00
2023		$69,642
2022			$366,538 Land $50,000 Building $316,538

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	3 in force
Nearby Flood Claims	1 (2008)
Most Recent Claim	Sep 2008 · Severe Storms, Flooding, And A Tornado

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 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 327 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

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

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