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4 River Lake Ct, O Fallon, MO 63366 Property Records

St. Charles County property record for 4 River Lake Ct, O Fallon, MO 63366

Property Summary

Property TypeSingle Family Home
Details3 bd · 3 ba · 1,944 sqft · built 2020
Lot Size0.316 acres (13,765 sqft)
Owner2 Individual Names on File
Last Sale$405,394 (Nov 2020)
Tax Bill$4,752 (2025)
Deeds & MortgagesNov 2020 Mortgage
Aug 2020 Sale
Flood ZoneZone X (minimal risk)
APNT180300047

Property Details

APN / Parcel Number

Primary APNT180300047
Alternative APN
  • 2-0087-C558-00-0658.0000000

Interior

Bedrooms3 Beds
Full Baths3 Baths
Half Baths1 Half Bath
Total Rooms6 Rooms
Stories1 Story
Building Area1,944 sqft Living Area
Basement Area1,944 sqft

Exterior

Year BuiltBuilt 2020
Exterior MaterialBrick/Stone
Lot Area13,765 sqft (0.316 acres)
Garage TypeAttached
Parking Spaces3 Parking Spaces

Utilities, Heating & Cooling

SewerConnected

Location & Zoning

Account NumberT180300047
Street Address4 RIVER LAKE CT
CityO FALLON
StateMO
Zip63366-1558
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionRIVERDALE VLG B #3 LOT 658
Legal Range02E
Legal Township48N
Legal SubdivisionRIVERDALE VLG B #3
Legal Lot Number658
JurisdictionST CHARLES MO
Township / Civil DivisionWENTZVILLE
Census Block Group2
Census Block2005
Census Tract312001

Owner

4 River Lake Ct is owned and occupied by two individuals who bought it in November 2020.

Source: St. Charles County records, as of March 16, 2026

Owner of Record2 Individual Names on File
Mailing Address4 RIVER LAKE CT, O FALLON, MO 63366-1558
OccupancyOwner Occupied
Owner TypeIndividual

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

DateDocument
Nov 2, 2020Grant Deed, Subdivision Related Transfer
GERSHMAN MTG
Aug 25, 2020Grant Deed, Transfer
OTHER

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleNov 2, 2020 · Amount on File
Deed SaleNov 2, 2020 · Amount on File
Prior SaleAug 25, 2020
Deed Document Number0202084225
Deed Book / Page2020 / 84225
Record UpdatedJun 8, 2026

November 2020: Grant Deed, Subdivision Related Transfer

Document TypeGrant Deed
JurisdictionST CHARLES MO
Recording DateNov 2, 2020
Property Address4 RIVER LAKE CT, O FALLON, MO 63366-1558
Document Number0000084225
Instrument DateOct 26, 2020
Instrument84225
Transaction TypeSubdivision Related Transfer
Record UpdatedFeb 26, 2021
Title CompanyOTHER

Transaction

Tax$0.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address4 RIVER LAKE CT ST PAUL MO 633661558, ST PAUL, MO 63366-1558

Mortgage

Document Number84226
DateNov 2, 2020
Instrument84226
Lender
NameGERSHMAN MTG
TypeMortgage Company
AddressCHESTERFIELD, MO 63017
Agreement
AmountAmount on Record
Term360 Months
DueNov 1, 2050

August 2020: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionST CHARLES MO
Recording DateAug 25, 2020
Property Address4 RIVER LAKE CT, O FALLON, MO 63366-1558
Document Number0073802283
Book / Page007380 / 002283
Instrument DateAug 19, 2020
Instrument618690
Transaction TypeTransfer
Record UpdatedOct 6, 2020
Title CompanyOTHER

Transaction

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

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address239 FOX HILL RD ST CHARLES MO 633013745, ST CHARLES, MO 63301-3745
InvestorPossibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 4 River Lake Ct was $4,752.

Source: St. Charles County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateMissouri
CountySt. Charles County
MunicipalitySt. Paul City
Unified School DistrictFort Zumwalt R-II School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$4,752.00$77,496$407,875 Land $70,000 Building $337,875
2023$83,606
2022$440,030 Land $55,000 Building $385,030

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 4 River Lake 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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies2 in force
Nearby Flood Claims25 (1982–2015)
Claims Outside the SFHA1 of 25
Most Recent ClaimJun 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 4 River Lake Ct is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 93% of the US · lower than 90% of Missouri
Wildfire Likelihood0.01% annual chance
ExposureNone
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 SystemST PAUL PWS
serves 1,700 people · EPA ID MO6011535
Water SourceGroundwater
Last State InspectionAug 2024
LeadUnder 1 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 185 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Gateway Fiber
Fiber		2,000 / 2,000
Spectrum
Cable		1,000 / 1,000
Brightspeed
Fiber		940 / 940
T-Mobile
Fixed Wireless		100 / 20

May also be available: Wisper ISP.

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