2 Spinning Wheel Ln, O Fallon, MO 63368 Property Records

St. Charles County property record for 2 Spinning Wheel Ln, O Fallon, MO 63368

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,198 sqft · built 1992
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on File
Last Sale	$239,000 (Nov 2016)
Tax Bill	$4,332 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Jan 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`A922000493`

Property Details

APN / Parcel Number

Primary APN	`A922000493`
Alternative APN	`2-113A-6771-00-078D.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,198 sqft Living Area
Gross Area	3,528 sqft
1st Floor Area	2,198 sqft
Basement Area	930 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	Ranch
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,890 sqft (0.25 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	90 sqft
Deck Area	Deck Area
Patio Area	462 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	A922000493
Street Address	2 SPINNING WHEEL LN
City	O FALLON
State	MO
Zip	63368-8132
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TWIN CHIMNEYS PH1 VLG D WATSON PARISH LOT 78D
Legal Subdivision	TWIN CHIMNEYS PH1 VLG D WATSON PARISH
Legal Lot Number	78D
Jurisdiction	ST CHARLES MO
Township / Civil Division	BOONE
Census Block Group	1
Census Block	1032
Census Tract	311154

Owner

2 Spinning Wheel Ln is owned and occupied by two individuals who bought it in November 2016.

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

Owner of Record	2 Individual Names on File
Mailing Address	2 SPINNING WHEEL LN, O FALLON, MO 63368-8132
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
Apr 10, 2026	Deed of Trust, Mortgage · Conventional Mortgage ASIA BANK NATIONAL ASSOCIATION
Jan 19, 2021	Deed of Trust, Mortgage HOME LOAN EXPERT LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 29, 2016 · Amount on File
Deed Sale	Nov 29, 2016 · Amount on File
Prior Sale	Oct 20, 2009 · Amount on File
Deed Document Number	2016803900
Deed Book / Page	6658 / 2247
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Recording Date	Apr 10, 2026
Property Address	2 SPINNING WHEEL LN, O FALLON, MO 63368-8132
Document Number	0000016571
Instrument Date	Apr 6, 2026
Instrument	202616571
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2 SPINNING WHEEL LN, O FALLON, MO 63368-8132

Mortgage

Document Number	0000016571,
Date	Apr 10, 2026
Instrument	202616571

Lender

Name	ASIA BANK NATIONAL ASSOCIATION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	May 1, 2046

Interest

Rate Type	Fixed Rate
Rate	6%
Initial Type	Fixed Rate
Max Rate	-1%

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	2 SPINNING WHEEL LN, O FALLON, MO 63368-8132
Document Number	0000007028
Instrument Date	Jan 19, 2021
Transaction Type	Mortgage
Record Updated	Apr 1, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2 SPINNING WHEEL LN O FALLON MO 633688132, O FALLON, MO 63368-8132

Mortgage

Document Number	0000007028
Date	Jan 25, 2021
Instrument	7028

Lender

Name	HOME LOAN EXPERT LLC
Address	SAINT LOUIS, MO 63144

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jan 24, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 2 Spinning Wheel Ln was $4,332, up 2.2% 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		$67,495 (-)	$355,238 (-) Land $65,000 Building $290,238
2025	$4,332.00 (+2.22%)	$67,495	$355,238 Land $65,000 Building $290,238
2024	$4,238.00
2023		$64,112
2022			$337,429 Land $45,000 Building $292,429

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 Spinning Wheel Ln 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 6 (20% 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 Spinning Wheel Ln 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	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
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 466 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
Wisper ISP Fixed Wireless	400 / 30
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: i3 Broadband.

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