3 Keystone Ridge Ct, O Fallon, MO 63366 Property Records

St. Charles County property record for 3 Keystone Ridge Ct, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,569 sqft · built 2020
Lot Size	0.276 acres (12,023 sqft)
Owner	Individual Name on File
Last Sale	$311,803 (Feb 2021)
Tax Bill	$4,293 (2025)
Deeds & Mortgages	Aug 2022 Line of Credit Feb 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`T180200096`

Property Details

APN / Parcel Number

Primary APN	`T180200096`
Alternative APN	`2-0048-C585-00-0049.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,569 sqft Living Area
Basement Area	1,553 sqft

Exterior

Year Built	Built 2020
Exterior Material	Composition/Composite
Lot Area	12,023 sqft (0.276 acres)
Garage Type	Attached
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	T180200096
Street Address	3 KEYSTONE RIDGE CT
City	O FALLON
State	MO
Zip	63366-5095
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	KEYSTONE RIDGE LOT 49
Legal Range	02E
Legal Township	47N
Legal Subdivision	KEYSTONE RIDGE
Legal Lot Number	49
Jurisdiction	ST CHARLES MO
Township / Civil Division	WENTZVILLE
Census Block Group	3
Census Block	3085
Census Tract	312095

Owner

3 Keystone Ridge Ct is owned and occupied by an individual who bought it in February 2021.

Source: St. Charles County records, as of March 16, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	3 KEYSTONE RIDGE CT, O FALLON, MO 63366-5095
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 18, 2022	Deed of Trust, Mortgage · Line of Credit COMMERCE BANK
Feb 12, 2021	Warranty Deed, Transfer · Conventional Mortgage GERSHMAN INVESTMENT CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 12, 2021 · Amount on File
Deed Sale	Feb 12, 2021 · Amount on File
Deed Document Number	0202113383
Deed Book / Page	2021 / 13383
Record Updated	Jun 8, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3 KEYSTONE RIDGE CT, O FALLON, MO 63366-5095
Transaction Type	Mortgage
Record Updated	Oct 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 KEYSTONE RIDGE CT, O FALLON, MO 63366-5095

Mortgage

Document Number	0000045844
Date	Aug 18, 2022
Instrument	2022R-045844

Lender

Name	COMMERCE BANK
Type	Bank
Address	KANSAS CITY, MO 64106

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	72 Months
Due	Aug 12, 2028

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Feb 12, 2021
Property Address	3 KEYSTONE RIDGE CT, O FALLON, MO 63366-5095
Document Number	0000013383
Map Reference	MB 49 PG 332
Instrument Date	Feb 11, 2021
Instrument	2021R-013383
Transaction Type	Transfer
Record Updated	Oct 4, 2022
Title Company	TITLE PARTNERS AGENCY LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	16091 SWINGLEY RIDGE RD # RD300, 16091, CHESTERFIELD, MO 63017-2005

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3 KEYSTONE RIDGE CT, O FALLON, MO 63366-5095

Mortgage

Document Number	0000013385
Date	Feb 12, 2021
Instrument	2021R-013385

Lender

Name	GERSHMAN INVESTMENT CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 3 Keystone Ridge Ct was $4,293.

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	Wentzville R-IV School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,293.00	$68,815	$362,185 Land $50,000 Building $312,185
2023		$63,624
2022			$334,863 Land $50,000 Building $284,863

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

FEMA maps place 3 Keystone Ridge Ct in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2022.

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 6 (20% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (2022)
Most Recent Claim	Jul 2022 · Severe Storms And Flooding

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

Wildfire risk around 3 Keystone Ridge Ct is low, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 62% of the US · lower than 67% of Missouri
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 82 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: Brightspeed, Verizon, Wisper ISP.

Cell Coverage

5G (outdoors only) and 4G LTE

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