2605 Black Cherry Dr, O Fallon, MO 63368 Property Records

St. Charles County property record for 2605 Black Cherry Dr, O Fallon, MO 63368

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,677 sqft · built 1999
Lot Size	0.19 acres (8,276 sqft)
Owner	2 Individuals on Record
Last Sale	$124,720 (Jun 1999)
Tax Bill	$4,012 (2025)
Deeds & Mortgages	Dec 2023 Line of Credit Oct 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`T002500066`

Property Details

APN / Parcel Number

Primary APN	`T002500066`
Alternative APN	`2-0066-8107-00-0304.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,677 sqft Living Area
Gross Area	3,818 sqft
1st Floor Area	1,677 sqft
Basement Area	1,657 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Ranch
Exterior Material	Brick/Stone
Lot Area	8,276 sqft (0.19 acres)
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	65 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T002500066
Street Address	2605 BLACK CHERRY DR
City	O FALLON
State	MO
Zip	63368-7889
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CHERRYWOOD PARC #6 LOT 304
Legal Subdivision	CHERRYWOOD PARC #6
Legal Lot Number	304
Jurisdiction	ST CHARLES MO
Township / Civil Division	DARDENNE
Census Block Group	4
Census Block	4007
Census Tract	311735

Owner

Source: St. Charles County assessment roll, 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 Individuals on Record
Mailing Address	2605 BLACK CHERRY DR, O FALLON, MO 63368-7889
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 13, 2023	Deed of Trust, Mortgage · Line of Credit US BANK NA
Oct 9, 2018	Deed of Trust, Mortgage · Line of Credit US BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 22, 1999 · Amount on Record
Deed Sale	Jun 22, 1999 · Amount on Record
Deed Document Number	199953523
Deed Book / Page	2269 / 415
Record Updated	Sep 20, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	2605 BLACK CHERRY DR, O FALLON, MO 63368-7889
Transaction Type	Mortgage
Record Updated	Dec 28, 2023
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2605 BLACK CHERRY DR, O FALLON, MO 63368-7889

Mortgage

Document Number	0000050500
Date	Dec 13, 2023
Instrument	2023R-050500

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Dec 13, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	2605 BLACK CHERRY DR, O FALLON, MO 63368-7889
Transaction Type	Mortgage
Record Updated	Oct 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000576550
Date	Oct 9, 2018
Book Page	6987/2035
Instrument	20181009000576550

Lender

Name	US BANK NA
Type	Bank
Address	OSHKOSH, WI 54902

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Sep 12, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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		$62,450 (-)	$328,686 (-) Land $60,000 Building $268,686
2025	$4,012.00	$62,450 (+8.89%)	$328,686 (+8.89%) Land $60,000 Building $268,686
2023		$57,352
2022			$301,855 Land $50,000 Building $251,855

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

Source: FEMA National Flood Hazard Layer, effective August 25, 2024

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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.

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
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 520 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
i3 Broadband Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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