415 Fox Sedge Ct, O Fallon, MO 63366 Property Records

St. Charles County property record for 415 Fox Sedge Ct, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,670 sqft · built 2019
Lot Size	0.19 acres (8,263 sqft)
Owner	2 Individual Names on Record
Last Sale	$425,000 (Nov 2021)
Tax Bill	$5,389 (2025)
Deeds & Mortgages	Aug 2023 Line of Credit Nov 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`T190300123`

Property Details

APN / Parcel Number

Primary APN	`T190300123`
Alternative APN	`2-0042-C700-00-098B.0000000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	3,670 sqft Living Area
Gross Area	4,898 sqft
1st Floor Area	1,436 sqft
Basement Area	1,396 sqft
Finished Basement	838 sqft
Unfinished Basement	558 sqft

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	Bi-Level
Exterior Material	Brick/Stone
Lot Area	8,263 sqft (0.19 acres)
Garage Type	Attached
Garage Area	670 sqft
Parking Spaces	3 Parking Spaces

Location & Zoning

Account Number	T190300123
Street Address	415 FOX SEDGE CT
City	O FALLON
State	MO
Zip	63366-1654
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COBBLESTONE CROSSING #2 LOT 98B
Legal Subdivision	COBBLESTONE CROSSING #2
Legal Lot Number	98B
Jurisdiction	ST CHARLES MO
Township / Civil Division	WENTZVILLE
Census Block Group	2
Census Block	2010
Census Tract	311801

Owner

Source: St. Charles County records, as of September 10, 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	415 FOX SEDGE CT, O FALLON, MO 63366-1654
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 18, 2023	Deed of Trust, Mortgage · Line of Credit BAXTER CU
Nov 16, 2021	Warranty Deed, Transfer · Conventional Mortgage NEIGHBORS BANK
Apr 6, 2020	Quit Claim Deed, Transfer · VA Mortgage GUILD MTG
Jun 10, 2019	Grant Deed, Subdivision Related Transfer · VA Mortgage GUILD MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 16, 2021 · Amount on Record
Deed Sale	Nov 16, 2021 · Amount on Record
Prior Sale	Apr 6, 2020 · Amount on Record
Deed Document Number	202194047
Prior Transfer Date	Mar 30, 2020
Prior Transfer Doc	0072632395
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	415 FOX SEDGE CT, O FALLON, MO 63366-1654
Transaction Type	Mortgage
Record Updated	Sep 4, 2023
Title Company	MORTGAGE INFORMATION SERVICES, MORTGAGE INFORMATION SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	415 FOX SEDGE CT, O FALLON, MO 63366-1654

Mortgage

Document Number	0000033500
Date	Aug 18, 2023
Instrument	2023R-033500

Lender

Name	BAXTER CU
Type	Credit Union
Address	O FALLON, MO 63366

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jul 31, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Nov 16, 2021
Property Address	415 FOX SEDGE CT, O FALLON, MO 63366-1654
Document Number	2021R094047
Map Reference	MB 50 PG 134
Instrument Date	Nov 12, 2021
Instrument	2021R-094047
Transaction Type	Transfer
Record Updated	Dec 1, 2021
Title Company	FREEDOM TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2 CROSSROADS PLZ, 2, O FALLON, MO 63368-6664

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	415 FOX SEDGE CT, O FALLON, MO 63366-1654

Mortgage

Document Number	2021R094048
Date	Nov 16, 2021
Instrument	2021R-094048

Lender

Name	NEIGHBORS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

April 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CHARLES MO
Recording Date	Apr 6, 2020
Property Address	415 FOX SEDGE CT, O FALLON, MO 63366-1654
Document Number	0072632395
Book / Page	007263 / 002395
Instrument Date	Mar 30, 2020
Instrument	211260
Transaction Type	Transfer
Record Updated	Jul 2, 2020
Title Company	FREEDOM TITLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	415 FOX SEDGE CT O FALLON MO 633661654, O FALLON, MO 63366-1654

Mortgage

Document Number	72632397
Date	Apr 6, 2020
Book Page	007263/002397
Instrument	211270

Lender

Name	GUILD MTG
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 5, 2050

June 2019: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jun 10, 2019
Property Address	415 FOX SEDGE CT, O FALLON, MO 63366-1654
Document Number	0070870358
Book / Page	007087 / 000358
Instrument Date	Jun 7, 2019
Instrument	282900
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 14, 2019
Title Company	TITLE PARTNERS AGENCY LLC, TITLE PTRS AGCY LLC

Transaction

Amount	Amount Recorded
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	415 FOX SEDGE CT O FALLON MO 633661654, O FALLON, MO 63366-1654

Mortgage

Document Number	70870360
Date	Jun 10, 2019
Book Page	007087/000360
Instrument	282910

Lender

Name	GUILD MTG
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 9, 2049

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		$84,125 (-)	$442,761 (-) Land $60,000 Building $382,761
2025	$5,389.00 (+2.96%)	$84,125 (+6.03%)	$442,761 (+6.03%) Land $60,000 Building $382,761
2024	$5,234.00
2023		$79,338
2022			$417,569 Land $50,000 Building $367,569

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 64% of the US · lower than 73% of Missouri
Wildfire Likelihood	0.03% 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	OFALLON PWS serves 32,515 people · EPA ID MO6010588
Water Source	Purchased surface water from several systems
Last State Inspection	Aug 2024
Lead	2 ppb (2023–2025) 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 320 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Brightspeed, Verizon, Wisper ISP.

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