St. Charles County property record for 23 Royalltrail Ct, O Fallon, MO 63368
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3.5 ba · 1,764 sqft · built 1994 |
| Lot Size | 0.32 acres (13,939 sqft) |
| Owner | Individual Name on File |
| Last Sale | $223,900 (Apr 2020) |
| Tax Bill | $3,232 (2025) |
| Deeds & Mortgages | Jul 2021 Mortgage Apr 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | A952000418 |
| Primary APN | A952000418 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,764 sqft Living Area |
| Gross Area | 2,280 sqft |
| 1st Floor Area | 720 sqft |
| Basement Area | 580 sqft |
| Finished Basement | 464 sqft |
| Unfinished Basement | 116 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Architectural Style | Bi-Level |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 13,939 sqft (0.32 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 80 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | A952000418 |
|---|---|
| Street Address | 23 ROYALLTRAIL CT |
| City | O FALLON |
| State | MO |
| Zip | 63368-6978 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ROYALLSPRINGS #4 LOT 100 |
| Legal Subdivision | ROYALLSPRINGS #4 |
| Legal Lot Number | 100 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | WELDON SPRING |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 311732 |
23 Royalltrail Ct is owned and occupied by an individual who bought it in April 2020.
Source: St. Charles County records, as of August 13, 2025
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 23 ROYALLTRAIL CT, O FALLON, MO 63368-6978 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 14, 2021 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Apr 7, 2020 | Warranty Deed, Transfer · FHA Mortgage QUICKEN LNS |
| Jan 8, 2019 | Warranty Deed, Transfer · Line of Credit FIRST STATE COMMUNITY BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 7, 2020 · Amount on File |
| Deed Sale | Apr 7, 2020 · Amount on File |
| Prior Sale | Jan 8, 2019 · Amount on File |
| Deed Document Number | 2020214630 |
| Deed Book / Page | 7265 / 19 |
| Prior Transfer Date | Jan 31, 2001 |
| Prior Transfer Doc | 0025010330 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 23 ROYALLTRAIL CT, O FALLON, MO 63368-6978 |
| Transaction Type | Mortgage |
| Record Updated | Oct 4, 2022 |
| Name | Verified Name |
|---|---|
| Address | 23 ROYALLTRAIL CT, DARDENNE PR, MO 63368-6978 |
| Document Number | 0000059301 |
|---|---|
| Date | Jul 14, 2021 |
| Instrument | 2021R-059301 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 347 Months |
| Due | Jun 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Apr 7, 2020 |
| Property Address | 23 ROYALLTRAIL CT, O FALLON, MO 63368-6978 |
| Document Number | 0072650019 |
| Book / Page | 007265 / 000019 |
| Instrument Date | Apr 2, 2020 |
| Instrument | 214630 |
| Transaction Type | Transfer |
| Record Updated | Jul 9, 2020 |
| Title Company | OTHER |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 23 ROYALLTRAIL CT O FALLON MO 633686978, O FALLON, MO 63368-6978 |
| Document Number | 72650021 |
|---|---|
| Date | Apr 7, 2020 |
| Book Page | 007265/000021 |
| Instrument | 214640 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 6, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jan 8, 2019 |
| Property Address | 23 ROYALLTRAIL CT, O FALLON, MO 63368-6978 |
| Document Number | 0000010230 |
| Book / Page | 7023 / 0715 |
| Map Reference | MB 31 PG 396 |
| Instrument Date | Jan 4, 2019 |
| Instrument | 20190108000010230 |
| Transaction Type | Transfer |
| Record Updated | Oct 4, 2022 |
| Title Company | CHICAGO TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 301 WALNUT ST # 303, 301, BERGER, MO 63014-1118 |
| Name | Verified Name |
|---|---|
| Address | 474 DUENKE RD, FORISTELL, MO 63348-7121 |
| Document Number | 0000010240 |
|---|---|
| Date | Jan 8, 2019 |
| Instrument | 20190108000010240 |
| Name | FIRST STATE COMMUNITY BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 23 Royalltrail Ct was $3,232, down 2.6% from the year before.
Source: St. Charles County assessment roll, as of August 13, 2025
| 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 |
|---|---|---|---|
| 2025 | $3,232.00 (-2.62%) | $50,191 | $264,165 Building $264,165 |
| 2024 | $3,319.00 | ||
| 2023 | $50,075 | ||
| 2022 | $263,554 Land $50,000 Building $213,554 |
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 23 Royalltrail Ct 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.
The area around 23 Royalltrail Ct 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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