2634 Black Cherry Dr, O Fallon, MO 63368 Property Records

St. Charles County property record for 2634 Black Cherry Dr, O Fallon, MO 63368

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,112 sqft · built 1996
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on File
Tax Bill	$4,231 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit Feb 2024 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`A962000440`

Property Details

APN / Parcel Number

Primary APN	`A962000440`
Alternative APN	`2-0066-7237-00-0281.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,112 sqft Living Area
Gross Area	3,588 sqft
1st Floor Area	1,056 sqft
Basement Area	1,056 sqft

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,405 sqft (0.17 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	64 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A962000440
Street Address	2634 BLACK CHERRY DR
City	O FALLON
State	MO
Zip	63368-7887
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CHERRYWOOD PARC #1 LOT 281
Legal Subdivision	CHERRYWOOD PARC #1
Legal Lot Number	281
Jurisdiction	ST CHARLES MO
Township / Civil Division	DARDENNE
Census Block Group	4
Census Block	4007
Census Tract	311735

Owner

2634 Black Cherry Dr is owned and occupied by two individuals who acquired it in February 2023.

Source: St. Charles County records, as of August 7, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2634 BLACK CHERRY DR, O FALLON, MO 63368-7887
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
Jun 12, 2026	Deed of Trust, Mortgage · Line of Credit REGIONS BANK
Feb 6, 2024	Deed of Trust, Mortgage · Conventional Mortgage JLB CORP
Jan 17, 2023	Deed of Trust, Mortgage · Line of Credit WEST COMMUNITY CU
Feb 16, 2023	Beneficiary Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Feb 16, 2023
Transfer Doc	0000005845
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Recording Date	Jun 12, 2026
Property Address	2634 BLACK CHERRY DR, O FALLON, MO 63368-7887
Document Number	0000027548
Instrument Date	May 29, 2026
Instrument	202627548
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2634 BLACK CHERRY DR, O FALLON, MO 63368-7887

Mortgage

Document Number	0000027548,
Date	Jun 12, 2026
Instrument	202627548

Lender

Name	REGIONS BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jun 23, 2056

Interest

Rate	6.3%
Max Rate	-1%

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	2634 BLACK CHERRY DR, O FALLON, MO 63368-7887
Transaction Type	Mortgage
Record Updated	Feb 20, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2634 BLACK CHERRY DR, O FALLON, MO 63368-7887

Mortgage

Document Number	0000004719
Date	Feb 6, 2024
Instrument	2024R-004719

Lender

Name	JLB CORP
Type	Mortgage Company
Address	SAINT LOUIS, MO 63146

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Mar 1, 2039

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	2634 BLACK CHERRY DR, O FALLON, MO 63368-7887
Transaction Type	Mortgage
Record Updated	Mar 2, 2023
Title Company	INVESTORS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2634 BLACK CHERRY DR, O FALLON, MO 63368-7887

Mortgage

Document Number	0000001799
Date	Jan 17, 2023
Instrument	2023R-001799

Lender

Name	WEST COMMUNITY CU
Type	Credit Union
Address	O FALLON, MO 63368

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	239 Months
Due	Dec 1, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2023: Beneficiary Deed, Transfer

Document Type	Beneficiary Deed
Jurisdiction	ST CHARLES MO
Recording Date	Feb 16, 2023
Property Address	2634 BLACK CHERRY DR, O FALLON, MO 63368-7887
Document Number	0000005845
Map Reference	MB 32 PG 187-189
Instrument Date	Feb 16, 2023
Instrument	2023R-005845
Transaction Type	Transfer
Record Updated	Mar 2, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2634 BLACK CHERRY DR, O FALLON, MO 63368-7887

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2634 BLACK CHERRY DR, O FALLON, MO 63368-7887

Tax Assessment & Valuation

The 2025 property tax bill for 2634 Black Cherry Dr was $4,231.

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		$65,898 (-)	$346,832 (-) Land $60,000 Building $286,832
2025	$4,231.00	$65,898	$346,832 Land $60,000 Building $286,832
2023		$62,626
2022			$329,612 Land $50,000 Building $279,612

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 2634 Black Cherry Dr in Zone X, an area of minimal flood risk.

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

Wildfire risk around 2634 Black Cherry Dr 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
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 359 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: Gateway Fiber.

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