2645 Black Cherry Dr, O Fallon, MO 63368 Property Records

St. Charles County property record for 2645 Black Cherry Dr, O Fallon, MO 63368

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,576 sqft · built 1996
Lot Size	0.27 acres (11,761 sqft)
Owner	Individual Name on Record
Last Sale	$270,000 (Jun 2020)
Tax Bill	$4,083 (2025)
Deeds & Mortgages	Feb 2024 Line of Credit Jun 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`A962000444`

Property Details

APN / Parcel Number

Primary APN	`A962000444`
Alternative APN	`2-0066-7237-00-0314.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,576 sqft Living Area
Gross Area	3,353 sqft
1st Floor Area	1,476 sqft
Basement Area	1,457 sqft
Finished Basement	1,100 sqft
Unfinished Basement	357 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	11,761 sqft (0.27 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	25 sqft
Deck Area	Deck Area
Patio Area	188 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	A962000444
Street Address	2645 BLACK CHERRY DR
City	O FALLON
State	MO
Zip	63368-7889
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CHERRYWOOD PARC #1 LOT 314
Legal Subdivision	CHERRYWOOD PARC #1
Legal Lot Number	314
Jurisdiction	ST CHARLES MO
Township / Civil Division	DARDENNE
Census Block Group	4
Census Block	4007
Census Tract	311735

Owner

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	Individual Name on Record
Mailing Address	2645 BLACK CHERRY DR, O FALLON, MO 63368-7889
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 13, 2024	Deed of Trust, Mortgage · Line of Credit LOWER LLC
Jun 5, 2020	Warranty Deed, Transfer · Conventional Mortgage WEST COMMUNITY CU
Oct 16, 2018	Deed of Trust, Mortgage HOMETOWN EQUITY MTG/ST LOUIS
Oct 22, 2018	Quit Claim Deed, Transfer · FHA Mortgage HOMETOWN EQUITY MTG/ST LOUIS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 5, 2020 · Amount on Record
Deed Sale	Jun 5, 2020 · Amount on Record
Prior Sale	Oct 22, 2018 · Amount on Record
Deed Document Number	2020377240
Deed Book / Page	7313 / 1686
Prior Transfer Date	Oct 14, 2009
Prior Transfer Doc	0000838670
Record Updated	Oct 29, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	2645 BLACK CHERRY DR, O FALLON, MO 63368-7889
Transaction Type	Mortgage
Record Updated	Feb 26, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2645 BLACK CHERRY DR, O FALLON, MO 63368-7889

Mortgage

Document Number	0000005546
Date	Feb 13, 2024
Instrument	2024R-005546

Lender

Name	LOWER LLC
Type	Mortgage Company
Address	COLUMBIA, MD 21044

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Feb 23, 2044

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jun 5, 2020
Property Address	2645 BLACK CHERRY DR, O FALLON, MO 63368-7889
Document Number	0000377240
Book / Page	7313 / 1686
Map Reference	MB 32 PG 187
Instrument Date	Jun 4, 2020
Instrument	20200605000377240
Transaction Type	Transfer
Record Updated	Oct 4, 2022
Title Company	TITLE PARTNERS AGENCY LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	905 OXFORD TRAIL DR, 905, SAINT PETERS, MO 63376-7610

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2645 BLACK CHERRY DR, O FALLON, MO 63368-7889

Mortgage

Document Number	0000377250
Date	Jun 5, 2020
Instrument	20200605000377250

Lender

Name	WEST COMMUNITY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	2645 BLACK CHERRY DR, O FALLON, MO 63368-7889
Document Number	0069981953
Instrument Date	Oct 16, 2018
Transaction Type	Mortgage
Record Updated	Nov 19, 2018
Title Company	TOWN AND COUNTRY TITLE GUARANTY, TOWN AND COUNTRY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2645 BLACK CHERRY DR O FALLON MO 633687889, O FALLON, MO 63368-7889

Mortgage

Document Number	0069981953
Date	Nov 2, 2018
Book Page	006998/001953
Instrument	627330

Lender

Name	HOMETOWN EQUITY MTG/ST LOUIS
Type	Mortgage Company
Address	ST PRTERS, MO 63376

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2048

October 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CHARLES MO
Recording Date	Oct 22, 2018
Property Address	2645 BLACK CHERRY DR, O FALLON, MO 63368-7889
Document Number	0069930739
Book / Page	006993 / 000739
Instrument Date	Oct 16, 2018
Instrument	602070
Transaction Type	Transfer
Record Updated	Nov 8, 2018
Title Company	TOWN AND COUNTRY TITLE GUARANTY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2645 BLACK CHEF Y DR O FALLON MO 63368, O FALLON, MO 63368

Mortgage

Document Number	69930741
Date	Oct 22, 2018
Book Page	006993/000741
Instrument	602080

Lender

Name	HOMETOWN EQUITY MTG/ST LOUIS
Type	Mortgage Company
Address	ST PETERS, MO 63376

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 21, 2048

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		$63,576 (-)	$334,608 (-) Building $334,608
2025	$4,083.00 (+6.58%)	$63,576 (+9.8%)	$334,608 (+9.8%) Building $334,608
2024	$3,831.00
2023		$57,900
2022			$304,738 Land $50,000 Building $254,738

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	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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