St. Charles County property record for 227 Royalltrail Ln, O Fallon, MO 63368
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,166 sqft · built 1995 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | Individual Name on File |
| Last Sale | $124,499 (Nov 2013) |
| Tax Bill | $3,253 (2025) |
| Deeds & Mortgages | Oct 2022 Line of Credit Jul 2019 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | A942000858 |
| Primary APN | A942000858 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,166 sqft Living Area |
| Gross Area | 2,755 sqft |
| 1st Floor Area | 1,166 sqft |
| Basement Area | 1,078 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 7,405 sqft (0.17 acres) |
| Garage Type | Attached |
| Garage Area | 511 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 20 sqft |
| Patio Area | 950 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | A942000858 |
|---|---|
| Street Address | 227 ROYALLTRAIL LN |
| City | O FALLON |
| State | MO |
| Zip | 63368-6980 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ROYALLSPRINGS #3 LOT 130 |
| Legal Subdivision | ROYALLSPRINGS #3 |
| Legal Lot Number | 130 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | WELDON SPRING |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 311732 |
227 Royalltrail Ln is owned and occupied by an individual who bought it in November 2013.
Source: St. Charles County records, as of August 7, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 227 ROYALLTRAIL LN, O FALLON, MO 63368-6980 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single Person |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 20, 2022 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Jul 24, 2019 | Deed of Trust, Mortgage · Conventional Mortgage FIRST COMMUNITY CU |
| May 14, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FIRST COMMUNITY CU |
| Jan 7, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FIRST COMMUNITY CU |
| Nov 5, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FIRST COMMUNITY CU |
| Jun 30, 2018 | Deed of Trust, Mortgage FIRST CMNTY FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 22, 2013 · Amount on File |
| Deed Sale | Nov 22, 2013 · Amount on File |
| Prior Sale | Jun 25, 2013 · Amount on File |
| Deed Document Number | 2013881300 |
| Deed Book / Page | 6123 / 828 |
| Prior Transfer Date | Jun 18, 2002 |
| Prior Transfer Doc | 0000057316 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 227 ROYALLTRAIL LN, O FALLON, MO 63368-6980 |
| Transaction Type | Mortgage |
| Record Updated | Nov 2, 2022 |
| Name | Verified Name |
|---|---|
| Address | 227 ROYALLTRAIL LN, O FALLON, MO 63368-6980 |
| Document Number | 0000057316 |
|---|---|
| Date | Oct 20, 2022 |
| Instrument | 2022R-057316 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19801 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 480 Months |
| Due | Oct 19, 2062 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 227 ROYALLTRAIL LN, O FALLON, MO 63368-6980 |
| Transaction Type | Mortgage |
| Record Updated | Oct 4, 2022 |
| Title Company | TOUCHSTONE TITLE & ABSTRACT |
| Name | Verified Name |
|---|
| Document Number | 0000378910 |
|---|---|
| Date | Jul 24, 2019 |
| Book Page | 7110/1334 |
| Instrument | 20190724000378910 |
| Name | FIRST COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Address | CHESTERFIELD, MO 63005 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Aug 1, 2034 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 227 ROYALLTRAIL LN, O FALLON, MO 63368-6980 |
| Transaction Type | Mortgage |
| Record Updated | Oct 4, 2022 |
| Title Company | CLEAR TITLE GROUP |
| Name | Verified Name |
|---|
| Document Number | 0000310920 |
|---|---|
| Date | May 14, 2020 |
| Book Page | 7294/2282 |
| Instrument | 20200514000310920 |
| Name | FIRST COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Address | CHESTERFIELD, MO 63005 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jun 1, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 227 ROYALLTRAIL LN, O FALLON, MO 63368-6980 |
| Transaction Type | Mortgage |
| Record Updated | Oct 4, 2022 |
| Title Company | CLEAR TITLE GROUP |
| Name | Verified Name |
|---|---|
| Address | 277 ROYALLTRAIL LN, O FALLON, MO 63368-6980 |
| Document Number | 0000001681 |
|---|---|
| Date | Jan 7, 2021 |
| Instrument | 2021R-001681 |
| Name | FIRST COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Address | 63305 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 227 ROYALLTRAIL LN, O FALLON, MO 63368-6980 |
| Transaction Type | Mortgage |
| Record Updated | Oct 4, 2022 |
| Title Company | TOUCHSTONE TITLE & ABSTRACT |
| Name | Verified Name |
|---|---|
| Address | 227 ROYALLTRAIL LN, O FALLON, MO 63368-6980 |
| Document Number | 0000091576 |
|---|---|
| Date | Nov 5, 2021 |
| Instrument | 2021R-091576 |
| Name | FIRST COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Address | CHESTERFIELD, MO 63005 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Dec 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 227 ROYALLTRAIL LN, O FALLON, MO 63368-6980 |
| Document Number | 0069471424 |
| Instrument Date | Jun 30, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jul 31, 2018 |
| Title Company | TOUCHSTONE TITLE AND ABSTRACT |
| Name | Verified Name |
|---|---|
| Address | 227 ROYALLTRAIL LN O FALLON MO 633686980, O FALLON, MO 63368-6980 |
| Document Number | 0069471424 |
|---|---|
| Date | Jul 12, 2018 |
| Book Page | 006947/001424 |
| Instrument | 393470 |
| Name | FIRST CMNTY FCU |
|---|---|
| Type | Credit Union |
| Address | CHESTERFIELD, MO 63005 |
| Amount | Amount on Record |
|---|---|
| Term | 180 Months |
| Due | Jul 11, 2033 |
The 2025 property tax bill for 227 Royalltrail Ln was $3,253.
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 | $50,513 (-) | $265,860 (-) Building $265,860 | |
| 2025 | $3,253.00 | $50,513 | $265,860 |
| 2023 | $48,361 | ||
| 2022 | $254,530 Land $50,000 Building $204,530 |
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.
FEMA maps place 227 Royalltrail Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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.
The area around 227 Royalltrail Ln has no burnable land within ember reach, so its wildfire risk is not rated.
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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