2654 Black Cherry Dr, O Fallon, MO 63368 Property Records

St. Charles County property record for 2654 Black Cherry Dr, O Fallon, MO 63368

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,012 sqft · built 1996
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on File
Last Sale	$350,000 (Aug 2022)
Tax Bill	$4,213 (2025)
Deeds & Mortgages	Aug 2022 Transfer Aug 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`A962000429`

Property Details

APN / Parcel Number

Primary APN	`A962000429`
Alternative APN	`2-0066-7237-00-0270.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,012 sqft Living Area
Gross Area	3,438 sqft
1st Floor Area	1,006 sqft
Basement Area	1,006 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

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

Exterior Amenities

Porch	Open Porch
Porch Area	228 sqft
Deck Area	Deck Area
Patio Area	68 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A962000429
Street Address	2654 BLACK CHERRY DR
City	O FALLON
State	MO
Zip	63368-7888
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CHERRYWOOD PARC #1 LOT 270
Legal Subdivision	CHERRYWOOD PARC #1
Legal Lot Number	270
Jurisdiction	ST CHARLES MO
Township / Civil Division	DARDENNE
Census Block Group	4
Census Block	4007
Census Tract	311735

Owner

2654 Black Cherry Dr is owned and occupied by two individuals who bought it in August 2022.

Source: St. Charles County records, as of September 10, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	2654 BLACK CHERRY DR, O FALLON, MO 63368-7888
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 3, 2022	Intrafamily Transfer, Transfer INVESTORS TITLE COMPANY
Aug 3, 2022	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
Dec 2, 2020	Deed of Trust, Mortgage TOGETHER CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 3, 2022 · Amount on File
Deed Sale	Aug 3, 2022 · Amount on File
Prior Sale	Mar 23, 2016 · Amount on File
Deed Document Number	202243187
Prior Transfer Date	Jul 25, 2022
Prior Transfer Doc	0000043186
Record Updated	Oct 29, 2026

August 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Aug 3, 2022
Property Address	2654 BLACK CHERRY DR, O FALLON, MO 63368-7888
Document Number	0000043186
Map Reference	MB 32 PG 187-189
Instrument Date	Jul 25, 2022
Instrument	2022R-043186
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	INVESTORS TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2654 BLACK CHERRY DR, O FALLON, MO 63368-7888

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3108 PERSHING AVE, ALEXANDRIA, LA 71301-5017

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Aug 3, 2022
Property Address	2654 BLACK CHERRY DR, O FALLON, MO 63368-7888
Document Number	0000043187
Map Reference	MB 32 PG 187-189
Instrument Date	Jul 25, 2022
Instrument	2022R-043187
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	INVESTORS TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3108 PERSHING AVE, ALEXANDRIA, LA 71301-5017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2654 BLACK CHERRY DR, O FALLON, MO 63368-7888

Mortgage

Document Number	0000043188
Date	Aug 3, 2022
Instrument	2022R-043188

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2052

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	2654 BLACK CHERRY DR, O FALLON, MO 63368-7888
Document Number	0000096541
Instrument Date	Dec 2, 2020
Transaction Type	Mortgage
Record Updated	Mar 2, 2021
Title Company	TITLE PARTNERS AGENCY LLC, TITLE PTRS AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	2654 BLACK CHERRY DR O FALLON MO 633687888, O FALLON, MO 63368-7888

Mortgage

Document Number	0000096541
Date	Dec 9, 2020
Instrument	96541

Lender

Name	TOGETHER CU
Address	SAINT LOUIS, MO 63118

Agreement

Amount	Amount on Record
Term	360 Months
Due	Dec 8, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 2654 Black Cherry Dr was $4,213.

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		$65,622 (-)	$345,380 (-) Land $60,000 Building $285,380
2025	$4,213.00	$65,622	$345,380 Land $60,000 Building $285,380
2023		$62,303
2022			$327,911 Land $50,000 Building $277,911

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

FEMA maps place 2654 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 2654 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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