20 Osperey Way, O Fallon, MO 63368 Property Records

St. Charles County property record for 20 Osperey Way, O Fallon, MO 63368

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,449 sqft · built 1996
Lot Size	0.2 acres (8,712 sqft)
Owner	Trust Name on File
Last Sale	$102,550 (Jan 2013)
Tax Bill	$3,607 (2024)
Deeds & Mortgages	Aug 2020 Mortgage Apr 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`A972000471`

Property Details

APN / Parcel Number

Primary APN	`A972000471`
Alternative APN	`2-0130-7519-00-0014.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,449 sqft Living Area
Gross Area	3,240 sqft
1st Floor Area	1,449 sqft
Basement Area	1,381 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Attached
Garage Area	410 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	151 sqft
Deck Area	Deck Area
Patio Area	100 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	A972000471
Street Address	20 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 14
Legal Subdivision	VLGS AT DARDENNE OAKLAND VLG
Legal Lot Number	14
Jurisdiction	ST CHARLES MO
Township / Civil Division	BOONE
Census Block Group	2
Census Block	2003
Census Tract	311152

Owner

20 Osperey Way is owner-occupied and held in a trust since January 2013.

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

Owner of Record	Trust Name on File
Mailing Address	20 OSPEREY WAY, O FALLON, MO 63368-8039
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

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
Aug 3, 2020	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Apr 10, 2019	Deed of Trust, Mortgage US BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 30, 2013 · Amount on File
Deed Sale	Jan 30, 2013 · Amount on File
Prior Sale	Feb 14, 1997 · Amount on File
Deed Document Number	201383050
Deed Book / Page	5947 / 1317
Prior Transfer Date	Jan 20, 2013
Prior Transfer Doc	0059471316
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	20 OSPEREY WAY, O FALLON, MO 63368-8039
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0073602033
Date	Aug 3, 2020
Book Page	7360/2033
Instrument	20200803000547970

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2050

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	20 OSPEREY WAY, O FALLON, MO 63368-8039
Document Number	0070600013
Instrument Date	Apr 10, 2019
Transaction Type	Mortgage
Record Updated	May 3, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	20 OSPEREY WAY O FALLON MO 633688039, O FALLON, MO 63368-8039

Mortgage

Document Number	0070600013
Date	Apr 16, 2019
Book Page	007060/000013
Instrument	172850

Lender

Name	US BK
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Amount	Amount on Record
Term	360 Months
Due	Apr 15, 2049

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		$58,949 (-)	$310,258 (-) Land $75,000 Building $235,258
2025		$58,949	$310,258 Land $75,000 Building $235,258
2024	$3,607.00
2023		$54,474
2022			$286,703 Land $50,000 Building $236,703

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 20 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 20 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.

Nearby Properties on Osperey Way

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures