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

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,974 sqft · built 2019
Lot Size	0.34 acres (14,819 sqft)
Owner	2 Individual Names on Record
Last Sale	$325,638 (Aug 2019)
Deeds & Mortgages	Oct 2022 Line of Credit Aug 2019 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T190300283`

Property Details

APN / Parcel Number

Primary APN	`T190300283`
Alternative APN	`2-0087-C715-00-0644.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,974 sqft Living Area
Basement Area	1,974 sqft

Exterior

Year Built	Built 2019
Exterior Material	Brick Veneer
Lot Area	14,819 sqft (0.34 acres)
Garage Type	Attached
Garage Area	880 sqft
Parking Spaces	4 Parking Spaces

Location & Zoning

Account Number	T190300283
Street Address	4 RIVER ROCK CT
City	O FALLON
State	MO
Zip	63366-1792
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RIVERDALE VLG E #1 LOT 644
Legal Range	02E
Legal Township	48N
Legal Subdivision	RIVERDALE VLG E #1
Legal Lot Number	644
Jurisdiction	ST CHARLES MO
Township / Civil Division	WENTZVILLE
Census Block Group	2
Census Block	2005
Census Tract	312001

Owner

Source: St. Charles County records, as of October 19, 2023

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 RIVER ROCK CT, O FALLON, MO 63366-1792
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 5, 2022	Deed of Trust, Mortgage · Line of Credit TOGETHER CU
Aug 8, 2019	Grant Deed, Subdivision Related Transfer OTHER
May 24, 2019	Grant Deed, Transfer OTHER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 8, 2019 · Amount on Record
Deed Sale	Aug 8, 2019 · Amount on Record
Prior Sale	May 24, 2019
Deed Document Number	0007120125
Deed Book / Page	7120 / 125
Record Updated	Jun 7, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	4 RIVER ROCK CT, O FALLON, MO 63366-1792
Transaction Type	Mortgage
Record Updated	Oct 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4 RIVER ROCK CT, O FALLON, MO 63366-1792

Mortgage

Document Number	0000054741
Date	Oct 5, 2022
Instrument	2022R-054741

Lender

Name	TOGETHER CU
Type	Credit Union
Address	SAINT LOUIS, MO 63118

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	302 Months
Due	Nov 30, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2019: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	ST CHARLES MO
Recording Date	Aug 8, 2019
Property Address	4 RIVER ROCK CT, O FALLON, MO 63366-1792
Document Number	0071200125
Book / Page	007120 / 000125
Instrument Date	Aug 5, 2019
Instrument	414480
Transaction Type	Subdivision Related Transfer
Record Updated	Sep 6, 2019
Title Company	OTHER

Transaction

Amount	Amount Recorded
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4 RIVER ROCK CT ST PAUL MO 633661792, ST PAUL, MO 63366-1792

May 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ST CHARLES MO
Recording Date	May 24, 2019
Property Address	4 RIVER ROCK CT, O FALLON, MO 63366-1792
Document Number	0070790402
Book / Page	007079 / 000402
Instrument Date	May 23, 2019
Instrument	250670
Transaction Type	Transfer
Record Updated	Aug 14, 2019
Title Company	OTHER

Transaction

Amount	Amount Recorded
Tax	$0.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	239 FOX HILL RD ST CHARLES MO 633013745, ST CHARLES, MO 63301-3745
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of July 1, 2023

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Assessed Value	Assessed Market Value
2023	$73,963
2022		$389,278 Land $55,000 Building $334,278

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
Nearby Flood Claims	25 (1982–2015)
Claims Outside the SFHA	1 of 25
Most Recent Claim	Jun 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

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

Wildfire Risk	Low lower than 94% of the US · lower than 91% of Missouri
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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 PAUL PWS serves 1,700 people · EPA ID MO6011535
Water Source	Groundwater
Last State Inspection	Aug 2024
Lead	Under 1 ppb (2022–2024) 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 203 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Brightspeed, Verizon.

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