3 Sovereign Ct, O Fallon, MO 63368 Property Records

St. Charles County property record for 3 Sovereign Ct, O Fallon, MO 63368

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,967 sqft · built 2002
Lot Size	0.48 acres (20,909 sqft)
Owner	2 Individual Names on Record
Last Sale	$432,000 (Jun 2014)
Tax Bill	$7,591 (2025)
Deeds & Mortgages	Sep 2022 Line of Credit Mar 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T021600017`

Property Details

APN / Parcel Number

Primary APN	`T021600017`
Alternative APN	`2-113A-8669-00-0014.0000000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	1 Story
Building Area	3,967 sqft Living Area
Gross Area	7,103 sqft
1st Floor Area	3,967 sqft
Basement Area	2,506 sqft
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Ranch
Exterior Material	Brick
Lot Area	20,909 sqft (0.48 acres)
Garage Type	Attached
Garage Area	630 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	40 sqft
Deck Area	Deck Area
Patio Area	168 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T021600017
Street Address	3 SOVEREIGN CT
City	O FALLON
State	MO
Zip	63368-7271
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	KINGS MILL EST LOT 14
Legal Subdivision	KINGS MILL ESTS
Legal Lot Number	14
Jurisdiction	ST CHARLES MO
Township / Civil Division	BOONE
Census Block Group	1
Census Block	1015
Census Tract	311154

Owner

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

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 SOVEREIGN CT, DARDENNE PRAIRIE, MO 63368-7271
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 8, 2022	Deed of Trust, Mortgage · Line of Credit BMO HARRIS BANK NA
Mar 14, 2022	Deed of Trust, Mortgage · Conventional Mortgage THIRD FSLA OF CLEVELAND
Oct 4, 2019	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 11, 2014 · Amount on Record
Deed Sale	Jun 11, 2014 · Amount on Record
Prior Sale	Dec 27, 2002 · Amount on Record
Deed Document Number	2014304200
Deed Book / Page	6199 / 756
Prior Transfer Date	Nov 7, 2013
Prior Transfer Doc	0061201441
Record Updated	Jun 8, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3 SOVEREIGN CT, DARDENNE PRAIRIE, MO 63368-7271
Transaction Type	Mortgage
Record Updated	Sep 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 SOVEREIGN CT, O FALLON, MO 63368-7271

Mortgage

Document Number	0000049486
Date	Sep 8, 2022
Instrument	2022R-049486

Lender

Name	BMO HARRIS BANK NA
Type	Bank
Address	CHICAGO, IL 60606

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Aug 30, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3 SOVEREIGN CT, DARDENNE PRAIRIE, MO 63368-7271
Transaction Type	Mortgage
Record Updated	Mar 28, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3 SOVEREIGN CT, DARDENNE PR, MO 63368-7271

Mortgage

Document Number	0000014678
Date	Mar 14, 2022
Instrument	2022R-014678

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Apr 1, 2032

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	3 SOVEREIGN CT, DARDENNE PRAIRIE, MO 63368-7271
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0071560646
Date	Oct 4, 2019
Book Page	7156/0646
Instrument	20191004000552380

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	179 Months
Due	Sep 1, 2034

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Missouri
Municipality	Dardenne Prairie City
County	St. Charles County
Unified School District	Fort Zumwalt R-II School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,591.00 (+3.38%)	$125,681 (+6.33%)	$661,481 (+6.33%) Land $100,000 Building $561,481
2024	$7,343.00
2023		$118,201
2022			$622,111 Land $70,000 Building $552,111

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 6 (20% 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 99.1% of the US · lower than 98.2% 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
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 497 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: i3 Broadband.

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