St. Charles County property record for 246 Royalltrail Ln, O Fallon, MO 63368
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,757 sqft · built 1994 |
| Lot Size | 0.24 acres (10,454 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $328,250 (Jul 2026) |
| Tax Bill | $3,402 (2025) |
| Deeds & Mortgages | Jul 2026 Mortgage Apr 2026 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | A952000438 |
| Primary APN | A952000438 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,757 sqft Living Area |
| Gross Area | 2,754 sqft |
| 1st Floor Area | 1,182 sqft |
| Basement Area | 1,152 sqft |
| Finished Basement | 575 sqft |
| Unfinished Basement | 577 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,454 sqft (0.24 acres) |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 72 sqft |
| Deck Area | Deck Area |
| Patio Area | 291 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | A952000438 |
|---|---|
| Street Address | 246 ROYALLTRAIL LN |
| City | O FALLON |
| State | MO |
| Zip | 63368-6979 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ROYALLSPRINGS #4 LOT 120 |
| Legal Subdivision | ROYALLSPRINGS #4 |
| Legal Lot Number | 120 |
| 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 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 | 246 ROYALLTRAIL LN, O FALLON, MO 63368-6979 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single |
| Date | Document |
|---|---|
| Jul 16, 2026 | Warranty Deed, Transfer · VA Mortgage FIRST STATE BANK/STATE CHARLES |
| Apr 30, 2026 | Warranty Deed, Transfer NONE LISTED ON DOCUMENT |
| May 18, 2020 | Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 16, 2026 · Amount on Record |
| Deed Sale | Jul 16, 2026 · Amount on Record |
| Prior Sale | Apr 30, 2026 |
| Deed Document Number | 202633558 |
| Prior Transfer Date | Apr 23, 1999 |
| Prior Transfer Doc | 0000037954 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jul 16, 2026 |
| Property Address | 246 ROYALLTRAIL LN, O FALLON, MO 63368-6979 |
| Document Number | 0000033558 |
| Instrument Date | Jul 16, 2026 |
| Instrument | 202633558 |
| Transaction Type | Transfer |
| Record Updated | Oct 23, 2026 |
| Title Company | TITLE PARTNERS |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 246 ROYALLTRAIL LN, O FALLON, MO 63368-6979 |
| Document Number | 0000033559, |
|---|---|
| Date | Jul 16, 2026 |
| Instrument | 202633559 |
| Name | FIRST STATE BANK/STATE CHARLES |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Max Rate | -1% |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Apr 30, 2026 |
| Property Address | 246 ROYALLTRAIL LN, O FALLON, MO 63368-6979 |
| Document Number | 0000019954 |
| Instrument Date | Apr 24, 2026 |
| Instrument | 202619954 |
| Transaction Type | Transfer |
| Record Updated | Aug 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Trust |
| Investor | Possibly a Property Investor |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 246 ROYALLTRAIL LN, O FALLON, MO 63368-6979 |
| Transaction Type | Mortgage |
| Record Updated | Oct 4, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000317540 |
|---|---|
| Date | May 18, 2020 |
| Book Page | 7296/1547 |
| Instrument | 20200518000317540 |
| Name | NEW DAY FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Address | FULTON, MD 20759 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2050 |
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 | $52,858 (-) | $278,199 (-) Building $278,199 | |
| 2025 | $3,402.00 (+3.81%) | $52,858 (+6.94%) | $278,199 (+6.94%) Building $278,199 |
| 2024 | $3,277.00 | ||
| 2023 | $49,427 | ||
| 2022 | $260,144 Land $50,000 Building $210,144 |
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 100 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 | Low lower than 95% of the US · lower than 93% of Missouri |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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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