St. Charles County property record for 4 Cottage Dr, O Fallon, MO 63366
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,200 sqft · built 1985 |
| Lot Size | 0.224 acres (9,750 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $207,000 (Nov 2020) |
| Tax Bill | $2,809 (2025) |
| Deeds & Mortgages | Nov 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 796380A000 |
| Primary APN | 796380A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,200 sqft Living Area |
| Gross Area | 2,840 sqft |
| 1st Floor Area | 1,200 sqft |
| Basement Area | 1,200 sqft |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 9,750 sqft (0.224 acres) |
| Lot Dimensions | 125 ft deep x 78 ft wide |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 95 sqft |
| Patio Area | 72 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 796380A000 |
|---|---|
| Street Address | 4 COTTAGE DR |
| City | O FALLON |
| State | MO |
| Zip | 63366-3408 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AF0 |
| Legal Description | OFALLON HILLS BLK 9 LOT 3 |
| Legal Subdivision | OFALLON HILLS |
| Legal Block | 9 |
| Legal Lot Number | 3 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | LAKE ST. LOUIS |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 311907 |
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 COTTAGE DR, O FALLON, MO 63366-3408 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 2, 2020 · Amount on Record |
| Deed Sale | Nov 2, 2020 · Amount on Record |
| Prior Sale | Nov 2, 2020 · Amount on Record |
| Deed Document Number | 202083677 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Nov 2, 2020 |
| Property Address | 4 COTTAGE DR, O FALLON, MO 63366-3408 |
| Document Number | 0000083677 |
| Instrument Date | Oct 24, 2020 |
| Instrument | 83677 |
| Transaction Type | Transfer |
| Record Updated | Feb 22, 2021 |
| Title Company | ATG |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4 COTTAGE DR O FALLON MO 633663408, O FALLON, MO 63366-3408 |
| Document Number | 83679 |
|---|---|
| Date | Nov 2, 2020 |
| Instrument | 83679 |
| Name | FLAT BR MTG |
|---|---|
| Type | Mortgage Company |
| Address | COLUMBIA, MO 65201 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Nov 1, 2050 |
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Unified School District | Wentzville R-IV School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $43,841 (-) | $230,741 (-) Building $230,741 | |
| 2025 | $2,809.00 | $43,841 (+8.52%) | $230,741 (+8.52%) |
| 2023 | $40,398 | ||
| 2022 | $212,622 Land $40,000 Building $172,622 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Nearby Flood Claims | 2 (1982–1983) |
| Most Recent Claim | Apr 1983 · rainfall accumulation |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 94% 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 419 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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