25 Osperey Way, O Fallon, MO 63368 Property Records

St. Charles County property record for 25 Osperey Way, O Fallon, MO 63368

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,591 sqft · built 1996
Lot Size	0.42 acres (18,295 sqft)
Owner	Individual Name on File
Last Sale	$323,000 (Oct 2022)
Tax Bill	$4,165 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Oct 2022 Sale
Flood Zone	Zone X (minimal risk)
APN	`A972000474`

Property Details

APN / Parcel Number

Primary APN	`A972000474`
Alternative APN	`2-0130-7519-00-0017.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,591 sqft Living Area
Gross Area	3,555 sqft
1st Floor Area	1,591 sqft
Basement Area	1,557 sqft
Finished Basement	1,000 sqft
Unfinished Basement	557 sqft

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	18,295 sqft (0.42 acres)
Garage Type	Attached
Garage Area	407 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	150 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A972000474
Street Address	25 OSPEREY WAY
City	O FALLON
State	MO
Zip	63368-8039
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AE9
Legal Description	VLGS AT DARDENNE OAKLAND VLG LOT 17
Legal Subdivision	VLGS AT DARDENNE OAKLAND VLG
Legal Lot Number	17
Jurisdiction	ST CHARLES MO
Township / Civil Division	BOONE
Census Block Group	2
Census Block	2003
Census Tract	311152

Owner

25 Osperey Way is owned and occupied by an individual who bought it in October 2022.

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

Owner of Record	Individual Name on File
Mailing Address	25 OSPEREY WAY, O FALLON, MO 63368-8039
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
Apr 22, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Oct 14, 2022	Warranty Deed, Transfer ATG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 14, 2022 · Amount on File
Deed Sale	Oct 14, 2022 · Amount on File
Prior Sale	Jul 16, 2014 · Amount on File
Deed Document Number	202256409
Prior Transfer Date	Aug 6, 2008
Prior Transfer Doc	0000576180
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Recording Date	Apr 22, 2026
Property Address	25 OSPEREY WAY, O FALLON, MO 63368-8039
Document Number	0000018538
Instrument Date	Apr 17, 2026
Instrument	202618538
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	25 OSPEREY WAY, O FALLON, MO 63368-8039

Mortgage

Document Number	0000018538,
Date	Apr 22, 2026
Instrument	202618538

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.22%
Initial Type	Fixed Rate
Max Rate	-1%

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Oct 14, 2022
Property Address	25 OSPEREY WAY, O FALLON, MO 63368-8039
Document Number	0000056409
Map Reference	MB 33 PG 192-194
Instrument Date	Oct 13, 2022
Instrument	2022R-056409
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	ATG

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	25 OSPEREY WAY, O FALLON, MO 63368-8039

Tax Assessment & Valuation

The 2025 property tax bill for 25 Osperey Way was $4,165, up 4.3% from the year before.

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		$64,858 (-)	$341,360 (-) Land $75,000 Building $266,360
2025	$4,165.00 (+4.28%)	$64,858	$341,360 Land $75,000 Building $266,360
2024	$3,994.00
2023		$60,391
2022			$317,848 Land $50,000 Building $267,848

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 25 Osperey Way 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.

Wildfire

Wildfire risk around 25 Osperey Way 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 99.8% of the US · lower than 99.6% 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	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
Also Mapped Here	MO AMERICAN ST LOUIS ST CHARLES COUNTIES
Lead	2 ppb (2026) 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 280 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
i3 Broadband Fiber	8,000 / 8,000
Gateway Fiber Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30

May also be available: T-Mobile, Verizon.

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