2649 Black Cherry Dr, O Fallon, MO 63368 Property Records

St. Charles County property record for 2649 Black Cherry Dr, O Fallon, MO 63368

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,443 sqft · built 1997
Lot Size	0.19 acres (8,276 sqft)
Owner	Individual Name on Record
Last Sale	$109,349 (Mar 1997)
Deeds & Mortgages	Apr 2021 Mortgage Jun 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`A962000445`

Property Details

APN / Parcel Number

Primary APN	`A962000445`
Alternative APN	`2-0066-7237-00-0315.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,443 sqft Living Area
Gross Area	3,153 sqft
1st Floor Area	979 sqft
Basement Area	837 sqft
Finished Basement	627 sqft
Unfinished Basement	210 sqft

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Bi-Level
Exterior Material	Brick/Stone
Lot Area	8,276 sqft (0.19 acres)
Garage Type	Attached
Garage Area	500 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	124 sqft
Deck Area	Deck Area
Patio Area	200 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	A962000445
Street Address	2649 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 315
Legal Subdivision	CHERRYWOOD PARC #1
Legal Lot Number	315
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	2649 BLACK CHERRY DR, O FALLON, MO 63368-7889
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 5, 2021	Deed of Trust, Mortgage · VA Mortgage DELMAR FINANCIAL CO
Jun 19, 2019	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 3, 1997 · Amount on Record
Deed Sale	Mar 3, 1997 · Amount on Record
Deed Document Number	199711333
Deed Book / Page	1917 / 1216
Last Transfer Date	Aug 30, 2007
Transfer Doc	0000752920
Record Updated	Sep 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	2649 BLACK CHERRY DR, O FALLON, MO 63368-7889
Transaction Type	Mortgage
Record Updated	Oct 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2649 BLACK CHERRY DR, O FALLON, MO 63368-7889

Mortgage

Document Number	0000029528
Date	Apr 5, 2021
Instrument	2021R-029528

Lender

Name	DELMAR FINANCIAL CO
Type	Funding / Finance Company
Address	SAINT LOUIS, MO 63141

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2051

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	2649 BLACK CHERRY DR, O FALLON, MO 63368-7889
Document Number	0071202422
Instrument Date	Jun 19, 2019
Transaction Type	Mortgage
Record Updated	Aug 27, 2019
Title Company	WFG LENDER SERVICES, WFG LENDER SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2649 BLACK CHERRY DR O FALLON MO 633687889, O FALLON, MO 63368-7889

Mortgage

Document Number	0071202422
Date	Aug 9, 2019
Book Page	007120/002422
Instrument	418150

Lender

Name	BANK OF AMERICA
Type	Bank
Address	NORTH CAROLINA, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 8, 2049

Interest

Rate Type	Adjustable Rate

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	Assessed Value	Assessed Market Value
2026	$61,307 (+5.6%)	$322,669 (+5.6%) Land $60,000 Building $262,669
2023	$58,058
2022		$305,571 Land $50,000 Building $255,571

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

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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