265 Thorn Brook Dr, O Fallon, MO 63366 Property Records

St. Charles County property record for 265 Thorn Brook Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,872 sqft · built 2016
Lot Size	0.225 acres (9,814 sqft)
Owner	Individual Name on Record
Last Sale	$229,600 (Sep 2021)
Tax Bill	$3,993 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Aug 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`T150300039`

Property Details

APN / Parcel Number

Primary APN	`T150300039`
Alternative APN	`4-0021-C156-00-0019.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,872 sqft Living Area
Gross Area	3,248 sqft
1st Floor Area	936 sqft
Basement Area	936 sqft

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Lot Area	9,814 sqft (0.225 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	T150300039
Street Address	265 THORN BROOK DR
City	O FALLON
State	MO
Zip	63366-4910
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BROOKSIDE VLG A #2-A LOT 19
Legal Subdivision	BROOKSIDE VLG A #2-A
Legal Lot Number	19
Jurisdiction	ST CHARLES MO
Township / Civil Division	WENTZVILLE
Census Block Group	2
Census Block	2023
Census Tract	312095

Owner

Source: St. Charles County records, as of March 26, 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	265 THORN BROOK DR, O FALLON, MO 63366-4910
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 28, 2025	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK NA
Aug 11, 2020	Deed of Trust, Mortgage · Commercial Mortgage STIFEL BANK & TRUST
Sep 17, 2021	Warranty Deed, Transfer · Conventional Mortgage F & B ACQUISITION GROUP LLC
Jan 13, 2021	Warranty Deed, Transfer GUILD MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 17, 2021 · Amount on Record
Deed Sale	Sep 17, 2021 · Amount on Record
Prior Sale	Jun 29, 2021
Deed Document Number	202178251
Record Updated	Jun 8, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	265 THORN BROOK DR, O FALLON, MO 63366-4910
Transaction Type	Mortgage
Record Updated	Nov 11, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	265 THORN BROOK DR, COTTLEVILLE, MO 63366-4910

Mortgage

Document Number	0000048175
Date	Oct 28, 2025
Instrument	2025R-048175

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45227

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	265 THORN BROOK DR, O FALLON, MO 63366-4910
Transaction Type	Mortgage
Record Updated	Oct 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0073690522
Date	Aug 11, 2020
Book Page	7369/522
Instrument	20200811000575490

Lender

Name	STIFEL BANK & TRUST
Type	Bank
Address	SAINT LOUIS, MO 63141

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Aug 15, 2021

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Sep 17, 2021
Property Address	265 THORN BROOK DR, O FALLON, MO 63366-4910
Document Number	2021R078251
Map Reference	MB 48 PG 19
Instrument Date	Sep 16, 2021
Instrument	2021R-078251
Transaction Type	Transfer
Record Updated	Sep 30, 2021
Title Company	TITLE PARTNERS AGENCY LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	15903 PICARDY MEADOW CT, 15903, CHESTERFIELD, MO 63017-7133

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	265 THORN BROOK DR, O FALLON, MO 63366-4910

Mortgage

Document Number	2021R078252
Date	Sep 17, 2021
Instrument	2021R-078252

Lender

Name	F & B ACQUISITION GROUP LLC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jan 13, 2021
Property Address	265 THORN BROOK DR, O FALLON, MO 63366-4910
Document Number	0000003738
Instrument Date	Dec 28, 2020
Instrument	3738
Transaction Type	Transfer
Record Updated	Mar 30, 2021
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	265 THORN BROOK DR O FALLON MO 633664910, O FALLON, MO 63366-4910

Mortgage

Document Number	3740
Date	Jan 13, 2021
Instrument	3740

Lender

Name	GUILD MTG
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 12, 2051

Mortgage

Document Number	3739,
Date	Jan 13, 2021
Instrument	3739

Lender

Name	GUILD MTG
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 12, 2051

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of August 13, 2025

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Municipality	O'Fallon City
Unified School District	Wentzville R-IV School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,993.00 (+5.16%)	$59,980 (+8.28%)	$315,684 (+8.28%) Land $52,500 Building $263,184
2024	$3,797.00
2023		$55,392
2022			$291,536 Land $37,500 Building $254,036

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 · 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 6 (20% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	2 (2019–2022)
Most Recent Claim	Jul 2022 · Severe Storms And Flooding

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 84% of Missouri
Wildfire Likelihood	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 164 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Brightspeed, Wisper ISP.

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