St. Charles County property record for 4 Royalltrail Ct, O Fallon, MO 63368
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3.5 ba · 2,079 sqft · built 1996 |
| Lot Size | 0.18 acres (7,841 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $355,000 (Jan 2026) |
| Tax Bill | $3,599 (2025) |
| Deeds & Mortgages | Aug 2022 Line of Credit Jan 2026 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | A952000410 |
| Primary APN | A952000410 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 2,079 sqft Living Area |
| Gross Area | 2,604 sqft |
| 1st Floor Area | 780 sqft |
| Basement Area | 702 sqft |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Architectural Style | Bi-Level |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 7,841 sqft (0.18 acres) |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 40 sqft |
| Deck Area | Deck Area |
| Patio Area | 188 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | A952000410 |
|---|---|
| Street Address | 4 ROYALLTRAIL CT |
| City | O FALLON |
| State | MO |
| Zip | 63368-6978 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ROYALLSPRINGS #4 LOT 92 |
| Legal Subdivision | ROYALLSPRINGS #4 |
| Legal Lot Number | 92 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | WELDON SPRING |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 311732 |
Source: St. Charles County records, as of September 11, 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 ROYALLTRAIL CT, O FALLON, MO 63368-6978 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Couple |
| Date | Document |
|---|---|
| Aug 9, 2022 | Deed of Trust, Mortgage · Line of Credit ASSOCIATED BANK NA |
| Jan 15, 2026 | Warranty Deed, Transfer · VA Mortgage FAMILY FINANCE MORTGAGE LLC |
| May 5, 2023 | Warranty Deed, Transfer · Conventional Mortgage USAA FSB |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 15, 2026 · Amount on Record |
| Deed Sale | Jan 15, 2026 · Amount on Record |
| Prior Sale | May 5, 2023 · Amount on Record |
| Deed Document Number | 20262348 |
| Prior Transfer Date | Oct 10, 2017 |
| Prior Transfer Doc | 0000671580 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 4 ROYALLTRAIL CT, O FALLON, MO 63368-6978 |
| Transaction Type | Mortgage |
| Record Updated | Jan 28, 2026 |
| Name | Verified Name |
|---|---|
| Address | 4 ROYALLTRAIL CT, O FALLON, MO 63368-6978 |
| Investor | Possibly a Property Investor |
| Document Number | 0000044045 |
|---|---|
| Date | Aug 9, 2022 |
| Instrument | 2022R-044045 |
| Name | ASSOCIATED BANK NA |
|---|---|
| Type | Bank |
| Address | STAUNTON, IL 62088 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Jul 22, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jan 15, 2026 |
| Property Address | 4 ROYALLTRAIL CT, O FALLON, MO 63368-6978 |
| Document Number | 0000002348 |
| Map Reference | MB 31 PG 396 |
| Instrument Date | Jan 8, 2026 |
| Instrument | 2026R-002348 |
| Transaction Type | Transfer |
| Record Updated | Jan 28, 2026 |
| Title Company | FREEDOM TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4 ROYALLTRAIL CT, O FALLON, MO 63368-6978 |
| Document Number | 0000002349 |
|---|---|
| Date | Jan 15, 2026 |
| Instrument | 2026R-002349 |
| Name | FAMILY FINANCE MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | May 5, 2023 |
| Property Address | 4 ROYALLTRAIL CT, O FALLON, MO 63368-6978 |
| Document Number | 0000017173 |
| Map Reference | MB 31 PG 396 |
| Instrument Date | Apr 28, 2023 |
| Instrument | 2023R-017173 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2024 |
| Title Company | TITLE PARTNERS AGENCY LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 100 LONE WOLF CT, O FALLON, MO 63366-5052 |
| Name | Verified Name |
|---|---|
| Address | 4 ROYALLTRAIL CT, O FALLON, MO 63368-6978 |
| Document Number | 0000017174 |
|---|---|
| Date | May 5, 2023 |
| Instrument | 2023R-017174 |
| Name | USAA FSB |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2053 |
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 | $55,964 (-) | $294,548 (-) Building $294,548 | |
| 2025 | $3,599.00 (+12.54%) | $55,964 (-0.27%) | $294,548 (-0.27%) |
| 2023 | $56,118 (+25.01%) | ||
| 2022 | $3,198.00 | $44,891 | $295,356 (+25.01%) Land $50,000 Building $245,356 |
| 2021 | $236,267 Land $40,000 Building $196,267 |
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 · 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 472 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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