St. Charles County property record for 220 Royalltrail Ln, O Fallon, MO 63368
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,220 sqft · built 1994 |
| Lot Size | 0.18 acres (7,841 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $365,000 (Jun 2025) |
| Tax Bill | $3,785 (2025) |
| Deeds & Mortgages | May 2023 Line of Credit Feb 2017 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | A942000853 |
| Primary APN | A942000853 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 2,220 sqft Living Area |
| Gross Area | 3,254 sqft |
| 1st Floor Area | 1,420 sqft |
| Basement Area | 1,372 sqft |
| Finished Basement | 800 sqft |
| Unfinished Basement | 572 sqft |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 7,841 sqft (0.18 acres) |
| Garage Type | Attached |
| Garage Area | 462 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 28 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | A942000853 |
|---|---|
| Street Address | 220 ROYALLTRAIL LN |
| City | O FALLON |
| State | MO |
| Zip | 63368-6979 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ROYALLSPRINGS #3 LOT 125 |
| Legal Subdivision | ROYALLSPRINGS #3 |
| Legal Lot Number | 125 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | WELDON SPRING |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 311732 |
Source: St. Charles County records, as of September 10, 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 | 220 ROYALLTRAIL LN, O FALLON, MO 63368-6979 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Couple |
| Date | Document |
|---|---|
| May 26, 2023 | Deed of Trust, Mortgage · Line of Credit VANTAGE CU |
| Feb 9, 2017 | Deed of Trust, Mortgage VANTAGE CU |
| Jul 29, 2022 | Beneficiary Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 2, 2025 · Amount on Record |
| Deed Sale | Jun 2, 2025 · Amount on Record |
| Deed Document Number | 202522741 |
| Prior Transfer Date | Jul 25, 2022 |
| Prior Transfer Doc | 0000042212 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 220 ROYALLTRAIL LN, O FALLON, MO 63368-6979 |
| Transaction Type | Mortgage |
| Record Updated | Jun 8, 2023 |
| Name | Verified Name |
|---|---|
| Address | 220 ROYALLTRAIL LN, O FALLON, MO 63368-6979 |
| Document Number | 0000020182 |
|---|---|
| Date | May 26, 2023 |
| Instrument | 2023R-020182 |
| Name | VANTAGE CU |
|---|---|
| Type | Credit Union |
| Address | SAINT CHARLES, MO 63304 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | May 19, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 220 ROYALLTRAIL LN, O FALLON, MO 63368-6979 |
| Transaction Type | Mortgage |
| Record Updated | Oct 4, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000087110 |
|---|---|
| Date | Feb 9, 2017 |
| Book Page | 6697/1797 |
| Instrument | 20170209000087110 |
| Name | VANTAGE CU |
|---|---|
| Type | Credit Union |
| Address | BRIDGETON, MO 63044 |
| Amount | Amount Recorded |
|---|---|
| Term | 58 Months |
| Due | Dec 28, 2021 |
| Document Type | Beneficiary Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jul 29, 2022 |
| Property Address | 220 ROYALLTRAIL LN, O FALLON, MO 63368-6979 |
| Document Number | 0000042212 |
| Map Reference | MB 31 PG 292&293 |
| Instrument Date | Jul 25, 2022 |
| Instrument | 2022R-042212 |
| Transaction Type | Transfer |
| Record Updated | Oct 4, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 220 ROYALLTRAIL LN, 220, O FALLON, MO 63368-6979 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 220 ROYALLTRAIL LN, O FALLON, MO 63368-6979 |
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | O'Fallon City |
| Unified School District | Fort Zumwalt R-II School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $58,888 (-) | $309,938 (-) Land $60,000 Building $249,938 | |
| 2025 | $3,785.00 | $58,888 (+6.37%) | $309,938 (+6.37%) |
| 2023 | $55,363 | ||
| 2022 | $291,383 Land $50,000 Building $241,383 |
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.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 472 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 |
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