3 Democracy Cir, O Fallon, MO 63368 Property Records

St. Charles County property record for 3 Democracy Cir, O Fallon, MO 63368

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,768 sqft · built 1989
Lot Size	0.27 acres (11,761 sqft)
Owner	Individual Name on Record
Last Sale	$200,000 (Jul 2015)
Tax Bill	$3,972 (2025)
Deeds & Mortgages	Jul 2026 Transfer May 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`A902001122`

Property Details

APN / Parcel Number

Primary APN	`A902001122`
Alternative APN	`2-0129-6537-00-0079.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,768 sqft Living Area
Gross Area	3,070 sqft
1st Floor Area	884 sqft
Basement Area	884 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,761 sqft (0.27 acres)
Garage Type	Attached
Garage Area	418 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	100 sqft
Deck Area	Deck Area
Patio Area	100 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A902001122
Street Address	3 DEMOCRACY CIR
City	O FALLON
State	MO
Zip	63368-8547
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MONTICELLO VLG C LOT 79
Legal Subdivision	MONTICELLO VLG C
Legal Lot Number	79
Jurisdiction	ST CHARLES MO
Township / Civil Division	WELDON SPRING
Census Block Group	3
Census Block	3000
Census Tract	311151

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	Individual Name on Record
Mailing Address	3 DEMOCRACY CIR, O FALLON, MO 63368-8547
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 24, 2026	Transfer on Death Deed, Transfer NONE LISTED ON DOCUMENT
May 1, 2020	Deed of Trust, Mortgage GOLDEN OAK LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 28, 2015 · Amount on Record
Deed Sale	Jul 28, 2015 · Amount on Record
Prior Sale	May 27, 2009 · Amount on Record
Deed Document Number	2015495230
Deed Book / Page	6395 / 1212
Last Transfer Date	Jul 21, 2026
Transfer Doc	0000034858
Record Updated	Oct 29, 2026

July 2026: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jul 24, 2026
Property Address	3 DEMOCRACY CIR, O FALLON, MO 63368-8547
Document Number	0000034858
Instrument Date	Jul 21, 2026
Instrument	202634858
Transaction Type	Transfer
Record Updated	Aug 31, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9312 SUNSHINE DR, CEDAR HILL, MO 63016-1312

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3 DEMOCRACY CIR, O FALLON, MO 63368-8547
Document Number	0072910391
Instrument Date	May 1, 2020
Transaction Type	Mortgage
Record Updated	Jul 16, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 DEMOCRACY CIR O FALLON MO 633688547, O FALLON, MO 63368-8547

Mortgage

Document Number	0072910391
Date	May 11, 2020
Book Page	007291/000391
Instrument	299340

Lender

Name	GOLDEN OAK LNDG
Address	SAINT LOUIS, MO 63146

Agreement

Amount	Amount Recorded
Term	360 Months
Due	May 10, 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
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		$60,821 (-)	$320,110 (-) Land $65,800 Building $254,310
2025	$3,972.00	$60,821 (+11.91%)	$320,110 (+11.91%) Land $65,800 Building $254,310
2023		$54,347
2022			$286,038 Land $50,000 Building $236,038

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 94% of the US · lower than 91% of Missouri
Wildfire Likelihood	0.03% 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 38 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Gateway Fiber, i3 Broadband.

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