2724 Black Cherry Dr, O Fallon, MO 63368 Property Records

St. Charles County property record for 2724 Black Cherry Dr, O Fallon, MO 63368

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,797 sqft · built 1996
Lot Size	0.22 acres (9,583 sqft)
Owner	2 Individual Names on Record
Last Sale	$177,000 (Jan 2015)
Tax Bill	$4,353 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit May 2024 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`A962000414`

Property Details

APN / Parcel Number

Primary APN	`A962000414`
Alternative APN	`2-0066-7237-00-0013.0000000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,797 sqft Living Area
Gross Area	3,712 sqft
1st Floor Area	1,030 sqft
Basement Area	1,006 sqft
Finished Basement	761 sqft
Unfinished Basement	245 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Bi-Level
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,583 sqft (0.22 acres)
Garage Type	Attached
Garage Area	670 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	116 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A962000414
Street Address	2724 BLACK CHERRY DR
City	O FALLON
State	MO
Zip	63368-7890
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CHERRYWOOD PARC #1 LOT 13
Legal Subdivision	CHERRYWOOD PARC #1
Legal Lot Number	13
Jurisdiction	ST CHARLES MO
Township / Civil Division	DARDENNE
Census Block Group	3
Census Block	3007
Census Tract	311735

Owner

Source: St. Charles County records, as of September 1, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	2724 BLACK CHERRY DR, O FALLON, MO 63368-7890
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 20, 2026	Deed of Trust, Mortgage · Line of Credit VILLAGE CAPITAL
May 2, 2024	Deed of Trust, Mortgage · FHA Mortgage LEADERONE FINANCIAL CORP
Jan 17, 2017	Deed of Trust, Mortgage · FHA Mortgage SUN WEST MORTGAGE COMPANY INC
Nov 8, 2019	Deed of Trust, Mortgage · FHA Mortgage MIDWEST EQUITY MORTGAGE LLC
Nov 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage CELEBRITY HOME LOANS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 2, 2015 · Amount on Record
Deed Sale	Jan 2, 2015 · Amount on Record
Deed Document Number	2015960
Deed Book / Page	6288 / 440
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Recording Date	Aug 20, 2026
Property Address	2724 BLACK CHERRY DR, O FALLON, MO 63368-7890
Document Number	0000039778
Instrument Date	Aug 13, 2026
Instrument	202639778
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2724 BLACK CHERRY DR, O FALLON, MO 63368-7890

Mortgage

Document Number	0000039778,
Date	Aug 20, 2026
Instrument	202639778

Lender

Name	VILLAGE CAPITAL

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Sep 8, 2036

Interest

Max Rate	-1%

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	2724 BLACK CHERRY DR, O FALLON, MO 63368-7890
Transaction Type	Mortgage
Record Updated	May 16, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2724 BLACK CHERRY DR, O FALLON, MO 63368-7890

Mortgage

Document Number	0000016726
Date	May 2, 2024
Instrument	2024R-016726

Lender

Name	LEADERONE FINANCIAL CORP
Type	Mortgage Company
Address	OVERLAND PARK, KS 66210

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2054

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	2724 BLACK CHERRY DR, O FALLON, MO 63368-7890
Transaction Type	Mortgage
Record Updated	Oct 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000031000
Date	Jan 17, 2017
Book Page	6686/0145
Instrument	20170117000031000

Lender

Name	SUN WEST MORTGAGE COMPANY INC
Type	Mortgage Company
Address	CERRITOS, CA 90703

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2047

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	2724 BLACK CHERRY DR, O FALLON, MO 63368-7890
Transaction Type	Mortgage
Record Updated	Oct 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000642490
Date	Nov 8, 2019
Book Page	7179/0920
Instrument	20191108000642490

Lender

Name	MIDWEST EQUITY MORTGAGE LLC
Type	Mortgage Company
Address	VILLA PARK, IL 60181

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2049

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	2724 BLACK CHERRY DR, O FALLON, MO 63368-7890
Transaction Type	Mortgage
Record Updated	Oct 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2724 BLACK CHERRY DR, O FALLON, MO 63368-7890

Mortgage

Document Number	0000093671
Date	Nov 15, 2021
Instrument	2021R-093671

Lender

Name	CELEBRITY HOME LOANS LLC
Type	Non-Lending Institution
Address	VILLA PARK, IL 60181

Agreement

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

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		$67,818 (-)	$356,935 (-) Land $60,000 Building $296,935
2025	$4,353.00	$67,818 (+5.27%)	$356,935 (+5.27%) Land $60,000 Building $296,935
2023		$64,422
2022			$339,061 Land $50,000 Building $289,061

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 98% of the US · lower than 96% 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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