St. Charles County property record for 4 Cherokee Sunset Ct, O Fallon, MO 63366
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,300 sqft · built 1998 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $169,000 (May 1998) |
| Tax Bill | $5,090 (2025) |
| Deeds & Mortgages | Dec 2022 Line of Credit Mar 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | A982001697 |
| Primary APN | A982001697 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 2,300 sqft Living Area |
| Gross Area | 4,445 sqft |
| 1st Floor Area | 2,300 sqft |
| Basement Area | 1,370 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Lot Area | 10,019 sqft (0.23 acres) |
| Garage Type | Attached |
| Garage Area | 775 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 114 sqft |
| Patio Area | 80 sqft |
| Heating Fuel | Gas |
|---|---|
| Sewer | Connected |
| Account Number | A982001697 |
|---|---|
| Street Address | 4 CHEROKEE SUNSET CT |
| City | O FALLON |
| State | MO |
| Zip | 63366-5989 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AE9 |
| Legal Description | INDIAN SPRINGS #1 LOT 118 |
| Legal Subdivision | INDIAN SPRINGS #1 |
| Legal Lot Number | 118 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | WELDON SPRING |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 311737 |
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 | 4 CHEROKEE SUNSET CT, O FALLON, MO 63366-5989 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 9, 2022 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA |
| Mar 15, 2021 | Deed of Trust, Mortgage · Conventional Mortgage THE HOME LOAN EXPERT LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 28, 1998 · Amount on Record |
| Deed Sale | May 28, 1998 · Amount on Record |
| Deed Document Number | 199841774 |
| Deed Book / Page | 2080 / 124 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 4 CHEROKEE SUNSET CT, O FALLON, MO 63366-5989 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2022 |
| Title Company | TITLE365 |
| Name | Verified Name |
|---|---|
| Address | 4 CHEROKEE SUNSET CT, O FALLON, MO 63366-5989 |
| Document Number | 0000065084 |
|---|---|
| Date | Dec 9, 2022 |
| Instrument | 2022R-065084 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Nov 28, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 4 CHEROKEE SUNSET CT, O FALLON, MO 63366-5989 |
| Transaction Type | Mortgage |
| Record Updated | Aug 16, 2022 |
| Name | Verified Name |
|---|---|
| Address | 4 CHEROKEE SUNSET CT, O FALLON, MO 63366-5989 |
| Document Number | 0000022522 |
|---|---|
| Date | Mar 15, 2021 |
| Instrument | 2021R-022522 |
| Name | THE HOME LOAN EXPERT LLC |
|---|---|
| Type | Mortgage Company |
| Address | SAINT LOUIS, MO 63144 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Apr 1, 2041 |
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | O'Fallon City |
| Unified School District | Fort Zumwalt R-II School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $79,411 (-) | $417,951 (-) Building $417,951 | |
| 2025 | $5,090.00 | $79,411 (+12.88%) | $417,951 (+12.88%) |
| 2023 | $70,347 | ||
| 2022 | $370,246 Land $60,500 Building $309,746 |
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.
Source: FEMA National Flood Hazard Layer, effective August 25, 2024
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 309 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 |
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