203 Surrey Ct, O Fallon, MO 63366 Property Records

St. Charles County property record for 203 Surrey Ct, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,614 sqft · built 1989
Lot Size	0.274 acres (11,948 sqft)
Owner	2 Individual Names on Record
Last Sale	$195,000 (Jul 2013)
Tax Bill	$3,889 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Apr 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`A882000095`

Property Details

APN / Parcel Number

Primary APN	`A882000095`
Alternative APN	`2-057A-6180-00-0106.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,614 sqft Living Area
Gross Area	3,694 sqft
1st Floor Area	1,456 sqft
Basement Area	1,430 sqft
Finished Basement	1,158 sqft
Unfinished Basement	272 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Ranch
Exterior Material	Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,948 sqft (0.274 acres)
Lot Dimensions	103 ft deep x 116 ft wide
Terrain	Rolling
Garage Type	Attached
Garage Area	808 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	49 sqft
Deck Area	Deck Area
Patio Area	616 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A882000095
Street Address	203 SURREY CT
City	O FALLON
State	MO
Zip	63366-7419
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WESTRIDGE #2 LOT 106
Legal Subdivision	WESTRIDGE #2
Legal Lot Number	106
Jurisdiction	ST CHARLES MO
Township / Civil Division	WENTZVILLE
Census Block Group	2
Census Block	2002
Census Tract	311802

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	203 SURREY CT, O FALLON, MO 63366-7419
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN MORTGAGE CORP
Apr 29, 2022	Deed of Trust, Mortgage · Line of Credit BMO HARRIS BANK NA
Mar 2, 2022	Warranty Deed, Transfer DUNE TITLE COMPANY LLC, TRUE TITLE COMPANY LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 9, 2013 · Amount on Record
Deed Sale	Jul 9, 2013 · Amount on Record
Prior Sale	Jun 6, 2000 · Amount on Record
Deed Document Number	2013539140
Deed Book / Page	6053 / 1044
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	203 SURREY CT, O FALLON, MO 63366-7419
Transaction Type	Mortgage
Record Updated	Jan 17, 2024
Title Company	FREEDOM TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000013867
Date	Feb 17, 2021
Instrument	2021R-013867

Lender

Name	AMERICAN MORTGAGE CORP
Type	Mortgage Company
Address	SAINT LOUIS, MO 63114

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	203 SURREY CT, O FALLON, MO 63366-7419
Transaction Type	Mortgage
Record Updated	Jan 17, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	203 SURREY CT, O FALLON, MO 63366-7419

Mortgage

Document Number	0000024601
Date	Apr 29, 2022
Instrument	2022R-024601

Lender

Name	BMO HARRIS BANK NA
Type	Bank
Address	CHICAGO, IL 60606

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Apr 27, 2042

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Mar 2, 2022
Property Address	203 SURREY CT, O FALLON, MO 63366-7419
Document Number	0000012225
Map Reference	MB 32 PG 217
Instrument Date	Feb 25, 2022
Instrument	2022R-012225
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	DUNE TITLE COMPANY LLC, TRUE TITLE COMPANY LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	445 KREISEL DR, RAYMORE, MO 64083-9685

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	203 SURREY CT, O FALLON, MO 63366-7419

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		$60,527 (-)	$318,561 (-) Land $60,000 Building $258,561
2025	$3,889.00	$60,527 (+9.89%)	$318,561 (+9.88%) Land $60,000 Building $258,561
2023		$55,082
2022			$289,906 Land $45,000 Building $244,906

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	1 in force
Nearby Flood Claims	5 (1979–2015)
Claims Outside the SFHA	3 of 5
Most Recent Claim	Dec 2015 · Severe Storms, Tornadoes, Straight-line Winds, And Flooding

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 99.1% of the US · lower than 98.2% 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	OFALLON PWS serves 32,515 people · EPA ID MO6010588
Water Source	Purchased surface water from several systems
Last State Inspection	Aug 2024
Lead	2 ppb (2023–2025) 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 299 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Gateway Fiber Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Wisper ISP.

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