28 Royallbend Ct, O Fallon, MO 63368 Property Records

St. Charles County property record for 28 Royallbend Ct, O Fallon, MO 63368

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,606 sqft · built 1998
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,713 (2025)
Deeds & Mortgages	Jan 2017 Mortgage Sep 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`A982001565`

Property Details

APN / Parcel Number

Primary APN	`A982001565`
Alternative APN	`2-0114-7879-00-0103.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,606 sqft Living Area
1st Floor Area	878 sqft
Basement Area	818 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Architectural Style	Other
Exterior Material	Composition/Composite
Lot Area	10,019 sqft (0.23 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	315 sqft

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	A982001565
Old Parcel Number	A982001565
Street Address	28 ROYALLBEND CT
City	O FALLON
State	MO
Zip	63368-6861
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AE9
Legal Description	MANORS AT ROYALLSPRINGS #10 LOT 103
Legal Range	03E
Legal Township	46N
Legal Subdivision	MANORS AT ROYALLSPRINGS #10
Legal Lot Number	103
Jurisdiction	ST CHARLES MO
Township / Civil Division	WELDON SPRING
Census Block Group	3
Census Block	3010
Census Tract	311732

Owner

Source: St. Charles County records, as of March 16, 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	28 ROYALLBEND CT, O FALLON, MO 63368-6861
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 17, 2017	Deed of Trust, Mortgage · FHA Mortgage UNITED WHOLESALE MORTGAGE
Sep 12, 2018	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Apr 2, 2019	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Dec 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 22, 2002
Deed Sale	Oct 22, 2002
Prior Sale	Jun 13, 2001
Deed Document Number	0030701180
Deed Book / Page	2595 / 1148
Record Updated	Jun 8, 2026

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	28 ROYALLBEND CT, O FALLON, MO 63368-6861
Transaction Type	Mortgage
Record Updated	Oct 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000031060
Date	Jan 17, 2017
Book Page	6686/0188
Instrument	20170117000031060

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	TROY, MI 48083

Agreement

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

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	28 ROYALLBEND CT, O FALLON, MO 63368-6861
Transaction Type	Mortgage
Record Updated	Oct 4, 2022
Title Company	TRI SOURCE TITLE AGENCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000523670
Date	Sep 12, 2018
Book Page	6976/0177
Instrument	20180912000523670

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2048

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	28 ROYALLBEND CT, O FALLON, MO 63368-6861
Transaction Type	Mortgage
Record Updated	Oct 4, 2022
Title Company	TRI SOURCE TITLE AGENCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000146010
Date	Apr 2, 2019
Book Page	7054/0144
Instrument	20190402000146010

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2049

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	28 ROYALLBEND CT, O FALLON, MO 63368-6861
Transaction Type	Mortgage
Record Updated	Oct 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28 ROYALLBEND CT, O FALLON, MO 63368-6861

Mortgage

Document Number	0000100352
Date	Dec 21, 2020
Instrument	2020R-100352

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	337 Months
Due	Jan 1, 2049

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of July 1, 2025

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
2025	$3,713.00	$57,761 (-0.65%)	$304,007 (-0.65%)
2023		$58,141
2022			$306,006 Land $50,000 Building $256,006

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	1 in force

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 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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