4 Osperey Way, O Fallon, MO 63368 Property Records

St. Charles County property record for 4 Osperey Way, O Fallon, MO 63368

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,907 sqft · built 1996
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on Record
Last Sale	$357,500 (Dec 2023)
Tax Bill	$4,464 (2025)
Deeds & Mortgages	Dec 2023 Mortgage Aug 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`A972000463`

Property Details

APN / Parcel Number

Primary APN	`A972000463`
Alternative APN	`2-0130-7519-00-0006.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,907 sqft Living Area
Gross Area	3,717 sqft
1st Floor Area	1,696 sqft
Basement Area	1,614 sqft
Finished Basement	1,211 sqft
Unfinished Basement	403 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Attached
Garage Area	407 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	160 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	A972000463
Street Address	4 OSPEREY WAY
City	O FALLON
State	MO
Zip	63368-8039
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AE9
Legal Description	VLGS AT DARDENNE OAKLAND VLG LOT 6
Legal Subdivision	VLGS AT DARDENNE OAKLAND VLG
Legal Lot Number	6
Jurisdiction	ST CHARLES MO
Township / Civil Division	BOONE
Census Block Group	2
Census Block	2003
Census Tract	311152

Owner

Source: St. Charles County records, as of September 10, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	4 OSPEREY WAY, O FALLON, MO 63368-8039
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 18, 2023	Warranty Deed, Transfer · Conventional Mortgage FIRST COMMUNITY CU
Aug 12, 2019	Deed of Trust, Mortgage · FHA Mortgage SYNERGY ONE LENDING
Nov 13, 2020	Warranty Deed, Transfer · FHA Mortgage NEW AMERICAN FNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 18, 2023 · Amount on Record
Deed Sale	Dec 18, 2023 · Amount on Record
Prior Sale	Nov 13, 2020 · Amount on Record
Deed Document Number	202351185
Prior Transfer Date	Mar 13, 2012
Prior Transfer Doc	0057451455
Record Updated	Oct 29, 2026

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Dec 18, 2023
Property Address	4 OSPEREY WAY, O FALLON, MO 63368-8039
Document Number	0000051185
Map Reference	MB 33 PG 192
Instrument Date	Dec 14, 2023
Instrument	2023R-051185
Transaction Type	Transfer
Record Updated	Feb 1, 2024
Title Company	SYNERGY TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2701 WOOD EAGLES DR, SAINT CHARLES, MO 63303-5065

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 OSPEREY WAY, O FALLON, MO 63368-8039

Mortgage

Document Number	0000051186
Date	Dec 18, 2023
Instrument	2023R-051186

Lender

Name	FIRST COMMUNITY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	6.25%
Type Change Date	Jan 1, 2029
Change Frequency	5 Years
Min Rate At Change	2%
Max Rate At Change	12.2%
Index	5-Year TN
Margin	2
Max Rate	12.2%

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	4 OSPEREY WAY, O FALLON, MO 63368-8039
Transaction Type	Mortgage
Record Updated	Oct 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000420310
Date	Aug 12, 2019
Book Page	7121/1283
Instrument	20190812000420310

Lender

Name	SYNERGY ONE LENDING
Type	Lending Institution
Address	LOMBARD, IL 60148

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jul 1, 2049

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Nov 13, 2020
Property Address	4 OSPEREY WAY, O FALLON, MO 63368-8039
Document Number	0000088276
Instrument Date	Nov 12, 2020
Instrument	88276
Transaction Type	Transfer
Record Updated	Mar 4, 2021
Title Company	TITLE PARTNERS AGENCY LLC, TITLE PTRS AGCY LLC

Transaction

Amount	Amount Recorded
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
Address	4 OSPEREY WAY O FALLON MO 633688039, O FALLON, MO 63368-8039

Mortgage

Document Number	88277
Date	Nov 13, 2020
Instrument	88277

Lender

Name	NEW AMERICAN FNDG
Type	Funding / Finance Company
Address	TUSTIN, CA 92780

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 12, 2050

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of August 7, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$69,561 (-)	$366,111 (-) Land $75,000 Building $291,111
2025	$4,464.00 (+3.77%)	$69,561 (+6.85%)	$366,111 (+6.85%) Land $75,000 Building $291,111
2024	$4,302.00
2023		$65,100
2022			$342,633 Land $50,000 Building $292,633

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 9 (5% 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 99.8% of the US · lower than 99.6% 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
Also Mapped Here	MO AMERICAN ST LOUIS ST CHARLES COUNTIES
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 280 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
i3 Broadband Fiber	8,000 / 8,000
Gateway Fiber Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30

May also be available: T-Mobile, Verizon.

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