3 River Rock Ct, O Fallon, MO 63366 Property Records

St. Charles County property record for 3 River Rock Ct, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 1,978 sqft · built 2019
Lot Size	0.345 acres (15,015 sqft)
Owner	2 Individual Names on File
Last Sale	$238,400 (Dec 2019)
Tax Bill	$4,607 (2025)
Deeds & Mortgages	Jul 2021 Sale Dec 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`T190300289`

Property Details

APN / Parcel Number

Primary APN	`T190300289`
Alternative APN	`2-0087-C715-00-0650.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,978 sqft Living Area
Gross Area	3,922 sqft
1st Floor Area	1,978 sqft
Basement Area	1,944 sqft

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	Ranch
Exterior Material	Brick
Lot Area	15,015 sqft (0.345 acres)
Parking Spaces	4 Parking Spaces

Location & Zoning

Account Number	T190300289
Street Address	3 RIVER ROCK CT
City	O FALLON
State	MO
Zip	63366-1793
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RIVERDALE VLG E #1 LOT 650
Legal Subdivision	RIVERDALE VLG E #1
Legal Lot Number	650
Jurisdiction	ST CHARLES MO
Township / Civil Division	WENTZVILLE
Census Block Group	2
Census Block	2005
Census Tract	312001

Owner

3 River Rock Ct is owned and occupied by two individuals who acquired it in July 2021.

Source: St. Charles County records, as of October 31, 2025

Owner of Record	2 Individual Names on File
Mailing Address	3 RIVER ROCK CT, O FALLON, MO 63366-1793
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
Jul 23, 2021	Beneficiary Deed, Transfer
Dec 2, 2020	Deed of Trust, Mortgage STIFEL BK&TR
Dec 17, 2019	Grant Deed, Subdivision Related Transfer STIFEL BK&TR
Oct 2, 2019	Grant Deed, Transfer OTHER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 17, 2019 · Amount on File
Deed Sale	Dec 17, 2019 · Amount on File
Prior Sale	Oct 2, 2019
Deed Document Number	2019726250
Deed Book / Page	7200 / 1770
Last Transfer Date	Jul 21, 2021
Transfer Doc	2021R062153
Record Updated	Jun 8, 2026

July 2021: Beneficiary Deed, Transfer

Document Type	Beneficiary Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jul 23, 2021
Property Address	3 RIVER ROCK CT, O FALLON, MO 63366-1793
Document Number	2021R062153
Map Reference	MB 50 PG 162-165
Instrument Date	Jul 21, 2021
Instrument	2021R-062153
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	3 RIVER ROCK CT, SAINT PAUL, MO 63366-1793

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3 RIVER ROCK CT, O FALLON, MO 63366-1793
Document Number	0000096689
Instrument Date	Dec 2, 2020
Transaction Type	Mortgage
Record Updated	Mar 2, 2021
Title Company	INVESTORS TITLE COMPANY, INVESTORS TITLE CO.

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3 RIVER ROCK CT O FALLON MO 633661793, O FALLON, MO 63366-1793

Mortgage

Document Number	0000096689
Date	Dec 9, 2020
Instrument	96689

Lender

Name	STIFEL BK&TR
Type	Bank
Address	SAINT LOUIS, MO 63141

Agreement

Amount	Amount on Record
Term	360 Months
Due	Dec 8, 2050

December 2019: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	ST CHARLES MO
Recording Date	Dec 17, 2019
Property Address	3 RIVER ROCK CT, O FALLON, MO 63366-1793
Document Number	0072001770
Book / Page	007200 / 001770
Instrument Date	Dec 13, 2019
Instrument	726250
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 6, 2020
Title Company	OTHER

Transaction

Amount	Amount on Record
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	Husband and Wife
Address	3 RIVER ROCK CT O FALLON MO 633661793, O FALLON, MO 63366-1793

Mortgage

Document Number	72001772
Date	Dec 17, 2019
Book Page	007200/001772
Instrument	726260

Lender

Name	STIFEL BK&TR
Type	Bank
Address	SAINT LOUIS, MO 63141

Agreement

Amount	Amount on Record
Term	360 Months
Due	Dec 16, 2049

Interest

Rate Type	Adjustable Rate
Rate	3%

October 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ST CHARLES MO
Recording Date	Oct 2, 2019
Property Address	3 RIVER ROCK CT, O FALLON, MO 63366-1793
Document Number	0071541491
Book / Page	007154 / 001491
Instrument Date	Sep 25, 2019
Instrument	546090
Transaction Type	Transfer
Record Updated	Oct 31, 2019
Title Company	OTHER

Transaction

Amount	Amount on Record
Tax	$0.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	239 FOX HILL ROAD ST ST CHARLES MO 63301, ST CHARLES, MO 63301
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 3 River Rock Ct was $4,607, down 2.6% from the year before.

Source: St. Charles County assessment roll, as of August 13, 2025

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Municipality	St. Paul 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	$4,607.00 (-2.58%)	$75,112	$395,324 Land $70,000 Building $325,324
2024	$4,729.00
2023		$74,967
2022			$394,561 Land $55,000 Building $339,561

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 River Rock Ct in Zone X, an area of minimal flood risk, though there have been 25 flood claims nearby since 1982.

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	25 (1982–2015)
Claims Outside the SFHA	1 of 25
Most Recent Claim	Jun 2015 · river or lake flooding
Claims by Event	Severe Storms, Tornadoes, Flooding, Apr 1994 · 3 claims Severe Storms & Flooding, Sep 1993 · 8 claims

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 River Rock Ct is low, with a 0.02% annual chance of 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	0.02% 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 PAUL PWS serves 1,700 people · EPA ID MO6011535
Water Source	Groundwater
Last State Inspection	Aug 2024
Lead	Under 1 ppb (2022–2024) 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 203 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Gateway Fiber Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Brightspeed, Verizon.

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