2826 Merganser Dr, O Fallon, MO 63368 Property Records

St. Charles County property record for 2826 Merganser Dr, O Fallon, MO 63368

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,712 sqft · built 1996
Lot Size	0.22 acres (9,583 sqft)
Owner	2 Individual Names on Record
Last Sale	$451,000 (Mar 2025)
Tax Bill	$4,261 (2025)
Deeds & Mortgages	Jan 2020 Mortgage Mar 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`A972000484`

Property Details

APN / Parcel Number

Primary APN	`A972000484`
Alternative APN	`2-0130-7519-00-0027.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	3,212 sqft Living Area
Gross Area	3,777 sqft
1st Floor Area	1,712 sqft
Basement Area	1,645 sqft
Finished Basement	1,500 sqft
Unfinished Basement	145 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Ranch
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,583 sqft (0.22 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	78 sqft
Patio Area	80 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A972000484
Street Address	2826 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 27
Legal Subdivision	VLGS AT DARDENNE OAKLAND VLG
Legal Lot Number	27
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 September 10, 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	2826 MERGANSER DR, O FALLON, MO 63368-8036
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Jan 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage FLAT BRANCH HOME LOANS INC
Mar 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage FLAT BRANCH HOME LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 28, 2025 · Amount on Record
Deed Sale	Mar 28, 2025 · Amount on Record
Prior Sale	Aug 7, 2014 · Amount on Record
Deed Document Number	202512264
Prior Transfer Date	Apr 8, 2005
Prior Transfer Doc	0000650560
Record Updated	Oct 29, 2026

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	2826 MERGANSER DR, O FALLON, MO 63368-8036
Transaction Type	Mortgage
Record Updated	Aug 16, 2022
Title Company	TITLE PARTNERS AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000043440
Date	Jan 22, 2020
Book Page	7219/1455
Instrument	20200122000043440

Lender

Name	FLAT BRANCH HOME LOANS INC
Type	Mortgage Company
Address	COLUMBIA, MO 65201

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Feb 1, 2035

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	2826 MERGANSER DR, O FALLON, MO 63368-8036
Transaction Type	Mortgage
Record Updated	Aug 16, 2022
Title Company	TITLE PARTNERS AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2826 MERGANSER DR, O FALLON, MO 63368-8036

Mortgage

Document Number	0000023757
Date	Mar 17, 2021
Instrument	2021R-023757

Lender

Name	FLAT BRANCH HOME LOANS INC
Type	Mortgage Company
Address	COLUMBIA, MO 65201

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2036

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		$66,367 (-)	$349,299 (-) Land $75,000 Building $274,299
2025	$4,261.00	$66,367 (+7.2%)	$349,299 (+7.2%) Land $75,000 Building $274,299
2023		$61,907
2022			$325,825 Land $50,000 Building $275,825

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 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
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 280 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
i3 Broadband Fiber	8,000 / 8,000
Gateway Fiber Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30

May also be available: T-Mobile, Verizon.

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