207 Surrey Ct, O Fallon, MO 63366 Property Records

St. Charles County property record for 207 Surrey Ct, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,216 sqft · built 1989
Lot Size	0.185 acres (8,050 sqft)
Owner	Individual Name on File
Last Sale	$272,500 (Feb 2024)
Tax Bill	$2,998 (2025)
Deeds & Mortgages	Feb 2024 Second Mortgage Feb 2024 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`A882000096`

Property Details

APN / Parcel Number

Primary APN	`A882000096`
Alternative APN	`2-057A-6180-00-0107.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,216 sqft Living Area
Gross Area	2,902 sqft
1st Floor Area	1,216 sqft
Basement Area	1,182 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Ranch
Exterior Material	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,050 sqft (0.185 acres)
Lot Dimensions	115 ft deep x 70 ft wide
Terrain	Rolling
Garage Type	Attached
Garage Area	504 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	36 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A882000096
Street Address	207 SURREY CT
City	O FALLON
State	MO
Zip	63366-7419
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WESTRIDGE #2 LOT 107
Legal Subdivision	WESTRIDGE #2
Legal Lot Number	107
Jurisdiction	ST CHARLES MO
Township / Civil Division	WENTZVILLE
Census Block Group	2
Census Block	2002
Census Tract	311802

Owner

207 Surrey Ct is owned and occupied by an individual who bought it in February 2024.

Source: St. Charles County records, as of September 10, 2026

Owner of Record	Individual Name on File
Mailing Address	207 SURREY CT, O FALLON, MO 63366-7419
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
Feb 13, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage MISSOURI HOUSING DEVELOPMENT COMMISSION
Feb 13, 2024	Warranty Deed, Transfer · Conventional Mortgage NEW AMERICAN FUNDING
Apr 11, 2017	Deed of Trust, Mortgage VANTAGE CU
Apr 20, 2018	Deed of Trust, Mortgage VANTAGE CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 13, 2024 · Amount on File
Deed Sale	Feb 13, 2024 · Amount on File
Prior Sale	Sep 29, 2005 · Amount on File
Deed Document Number	20245521
Prior Transfer Date	Dec 29, 1997
Prior Transfer Doc	0000000501
Record Updated	Oct 29, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	207 SURREY CT, O FALLON, MO 63366-7419
Transaction Type	Mortgage
Record Updated	Feb 26, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000005628
Date	Feb 13, 2024
Instrument	2024R-005628

Lender

Name	MISSOURI HOUSING DEVELOPMENT COMMISSION
Type	Government Agency
Address	KANSAS CITY, MO 64105

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Feb 13, 2024
Property Address	207 SURREY CT, O FALLON, MO 63366-7419
Document Number	0000005521
Map Reference	MB 26 PG 123
Instrument Date	Feb 9, 2024
Instrument	2024R-005521
Transaction Type	Transfer
Record Updated	Feb 26, 2024
Title Company	CONTINENTAL, CONTINENTAL TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3416 MAINE ST, QUINCY, IL 62301-4441

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	207 SURREY CT, O FALLON, MO 63366-7419

Mortgage

Document Number	0000005522
Date	Feb 13, 2024
Instrument	2024R-005522

Lender

Name	NEW AMERICAN FUNDING
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2054

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	207 SURREY CT, O FALLON, MO 63366-7419
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	STEWART TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0067260084
Date	Apr 11, 2017
Book Page	6726/0084
Instrument	20170411000216390

Lender

Name	VANTAGE CU
Type	Credit Union
Address	BRIDGETON, MO 63044

Agreement

Amount	Amount on Record
Term	59 Months
Due	Mar 30, 2022

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	207 SURREY CT, O FALLON, MO 63366-7419
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0069072213
Date	Apr 20, 2018
Book Page	6907/2213
Instrument	20180420000215540

Lender

Name	VANTAGE CU
Type	Credit Union
Address	BRIDGETON, MO 63044

Agreement

Amount	Amount on Record
Term	119 Months
Due	Mar 23, 2028

Tax Assessment & Valuation

The 2025 property tax bill for 207 Surrey Ct was $2,998.

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		$46,510 (-)	$244,792 (-) Land $60,000 Building $184,792
2025	$2,998.00	$46,510	$244,792 Land $60,000 Building $184,792
2023		$42,204
2022			$222,125 Land $45,000 Building $177,125

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 207 Surrey Ct in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1979.

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

Wildfire risk around 207 Surrey Ct 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 99.1% 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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