2820 Merganser Dr, O Fallon, MO 63368 Property Records

St. Charles County property record for 2820 Merganser Dr, O Fallon, MO 63368

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,635 sqft · built 1996
Lot Size	0.22 acres (9,583 sqft)
Owner	2 Individual Names on Record
Last Sale	$273,700 (Oct 2021)
Tax Bill	$4,138 (2025)
Deeds & Mortgages	Jan 2026 Mortgage Oct 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`A972000485`

Property Details

APN / Parcel Number

Primary APN	`A972000485`
Alternative APN	`2-0130-7519-00-0028.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,635 sqft Living Area
Gross Area	3,520 sqft
1st Floor Area	1,635 sqft
Basement Area	1,444 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,583 sqft (0.22 acres)
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	150 sqft
Deck Area	Deck Area
Patio Area	219 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A972000485
Street Address	2820 MERGANSER DR
City	O FALLON
State	MO
Zip	63368-8036
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AE9
Legal Description	VLGS AT DARDENNE OAKLAND VLG LOT 28
Legal Subdivision	VLGS AT DARDENNE OAKLAND VLG
Legal Lot Number	28
Jurisdiction	ST CHARLES MO
Township / Civil Division	BOONE
Census Block Group	2
Census Block	2003
Census Tract	311152

Owner

Source: St. Charles County records, as of January 21, 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	2820 MERGANSER DR, O FALLON, MO 63368-8036
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 5, 2026	Deed of Trust, Mortgage · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC
Oct 13, 2021	Warranty Deed, Transfer · FHA Mortgage UNION HOME MORTGAGE CORP
Jun 27, 2019	Deed of Trust, Mortgage · Line of Credit FIRST COMMUNITY CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 13, 2021 · Amount on Record
Deed Sale	Oct 13, 2021 · Amount on Record
Prior Sale	Jul 6, 2009 · Amount on Record
Deed Document Number	202185107
Prior Transfer Date	Jun 24, 2009
Prior Transfer Doc	0052242451
Record Updated	Jun 8, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	2820 MERGANSER DR, O FALLON, MO 63368-8036
Transaction Type	Mortgage
Record Updated	Jan 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2820 MERGANSER DR, O FALLON, MO 63368-8036

Mortgage

Document Number	0000000548
Date	Jan 5, 2026
Instrument	2026R-000548

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company
Address	RANCHO SANTA MARGARITA, CA 92688

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Oct 13, 2021
Property Address	2820 MERGANSER DR, O FALLON, MO 63368-8036
Document Number	2021R085107
Map Reference	MB 33 PG 192
Instrument Date	Oct 8, 2021
Instrument	2021R-085107
Transaction Type	Transfer
Record Updated	Oct 28, 2021
Title Company	TITLE PARTNERS AGENCY LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	802 LINVILLE CT, 802, WENTZVILLE, MO 63385-7402

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2820 MERGANSER DR, O FALLON, MO 63368-8036

Mortgage

Document Number	2021R085108
Date	Oct 13, 2021
Instrument	2021R-085108

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	2820 MERGANSER DR, O FALLON, MO 63368-8036
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CLEAR TITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0070961307
Date	Jun 27, 2019
Book Page	7096/1307
Instrument	20190627000321450

Lender

Name	FIRST COMMUNITY CU
Type	Credit Union
Address	CHESTERFIELD, MO 63005

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Jun 1, 2034

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	Fort Zumwalt R-II School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,138.00 (+4.31%)	$64,439 (+7.44%)	$339,151 (+7.44%) Land $75,000 Building $264,151
2024	$3,967.00
2023		$59,974
2022			$315,653 Land $50,000 Building $265,653

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 9 (5% premium discount)
Nearby Flood Policies	2 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 96% of the US · lower than 94% of Missouri
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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
Also Mapped Here	MO AMERICAN ST LOUIS ST CHARLES COUNTIES
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 350 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Gateway Fiber, Verizon.

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