3 Cottage Dr, O Fallon, MO 63366 Property Records

St. Charles County property record for 3 Cottage Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,584 sqft · built 1981
Lot Size	0.298 acres (12,992 sqft)
Owner	2 Individual Names on Record
Last Sale	$170,000 (Jan 2020)
Tax Bill	$2,902 (2025)
Deeds & Mortgages	Jan 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`797640A000`

Property Details

APN / Parcel Number

Primary APN	`797640A000`
Alternative APN	`4-0053-4372-10-0004.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,584 sqft Living Area
Gross Area	2,112 sqft
1st Floor Area	1,056 sqft
Basement Area	528 sqft
Finished Basement	528 sqft

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Architectural Style	Bi-Level
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,992 sqft (0.298 acres)
Lot Dimensions	116 ft deep x 112 ft wide
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	45 sqft
Deck Area	Deck Area
Patio Area	526 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	797640A000
Street Address	3 COTTAGE DR
City	O FALLON
State	MO
Zip	63366-3408
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	OFALLON HILLS BLK 10 LOT 4
Legal Subdivision	OFALLON HILLS
Legal Block	10
Legal Lot Number	4
Jurisdiction	ST CHARLES MO
Township / Civil Division	LAKE ST. LOUIS
Census Block Group	1
Census Block	1009
Census Tract	311907

Owner

Source: St. Charles County records, as of August 7, 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	3 COTTAGE DR, O FALLON, MO 63366-3408
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 13, 2020 · Amount on Record
Deed Sale	Jan 13, 2020 · Amount on Record
Deed Document Number	202024230
Deed Book / Page	7215 / 849
Prior Transfer Date	Feb 8, 2016
Prior Transfer Doc	0064900020
Record Updated	Oct 29, 2026

January 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jan 13, 2020
Property Address	3 COTTAGE DR, O FALLON, MO 63366-3408
Document Number	0072150849
Book / Page	007215 / 000849
Instrument Date	Jan 7, 2020
Instrument	24230
Transaction Type	Transfer
Record Updated	Feb 20, 2020
Title Company	SELECT TITLE GROUP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3 COTTAGE CIR O FALLON MO 633663408, O FALLON, MO 63366-3408

Mortgage

Document Number	72150851
Date	Jan 13, 2020
Book Page	007215/000851
Instrument	24240

Lender

Name	FIRST ST BK/ST CHARLES
Type	Bank
Address	SAINT CHARLES, MO 63301

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 12, 2050

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of August 7, 2026

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Unified School District	Wentzville R-IV School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$45,309 (-)	$238,468 (-) Land $50,000 Building $188,468
2025	$2,902.00 (+6.38%)	$45,309 (+9.48%)	$238,468 (+9.48%) Land $50,000 Building $188,468
2024	$2,728.00
2023		$41,386
2022			$217,820 Land $40,000 Building $177,820

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
Nearby Flood Claims	2 (1982–1983)
Most Recent Claim	Apr 1983 · rainfall accumulation

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 80% of the US · lower than 84% of Missouri
Wildfire Likelihood	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 440 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20