5 Onyx Ct, O Fallon, MO 63366 Property Records

St. Charles County property record for 5 Onyx Ct, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,188 sqft · built 1998
Lot Size	0.22 acres (9,583 sqft)
Owner	Individual Name on File
Last Sale	$197,000 (Apr 2015)
Tax Bill	$3,954 (2024)
Deeds & Mortgages	Nov 2023 Line of Credit Jul 2023 Sale + 4 more
Flood Zone	Zone X (minimal risk)
APN	`T990300236`

Property Details

APN / Parcel Number

Primary APN	`T990300236`
Alternative APN	`2-0051-8062-00-0043.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,188 sqft Living Area
Gross Area	3,940 sqft
1st Floor Area	1,168 sqft
Basement Area	1,072 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Bi-Level
Exterior Material	Brick/Stone
Lot Area	9,583 sqft (0.22 acres)
Garage Type	Attached
Garage Area	680 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	106 sqft
Patio Area	252 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T990300236
Street Address	5 ONYX CT
City	O FALLON
State	MO
Zip	63366-1813
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DIAMOND POINTE #3 LOT 43
Legal Subdivision	DIAMOND PT #3
Legal Lot Number	43
Jurisdiction	ST CHARLES MO
Township / Civil Division	O'FALLON
Census Block Group	4
Census Block	4004
Census Tract	311602

Owner

5 Onyx Ct is owned and occupied by an individual who acquired it in July 2023.

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

Owner of Record	Individual Name on File
Mailing Address	5 ONYX CT, O FALLON, MO 63366-1813
Occupancy	Owner Occupied
Owner Type	Individual

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

Date	Document
Nov 2, 2023	Deed of Trust, Mortgage · Line of Credit LOANDEPOT.COM LLC
Jul 11, 2023	Beneficiary Deed, Transfer
Sep 25, 2019	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Jun 3, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Mar 25, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Mar 24, 2022	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 20, 2015 · Amount on File
Deed Sale	Apr 20, 2015 · Amount on File
Prior Sale	Feb 22, 1999 · Amount on File
Deed Document Number	2015237630
Deed Book / Page	6340 / 2096
Last Transfer Date	Jul 10, 2023
Transfer Doc	0000027174
Record Updated	Sep 20, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	5 ONYX CT, O FALLON, MO 63366-1813
Transaction Type	Mortgage
Record Updated	Nov 16, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000045135
Date	Nov 2, 2023
Instrument	2023R-045135

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	IRVINE, CA 92618

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Oct 20, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2023: Beneficiary Deed, Transfer

Document Type	Beneficiary Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jul 11, 2023
Property Address	5 ONYX CT, O FALLON, MO 63366-1813
Document Number	0000027174
Map Reference	MB 35 PG 189
Instrument Date	Jul 10, 2023
Instrument	2023R-027174
Transaction Type	Transfer
Record Updated	Jul 25, 2023

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	5 ONYX CT, O FALLON, MO 63366-1813
Transaction Type	Mortgage
Record Updated	Oct 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000526520
Date	Sep 25, 2019
Book Page	7149/0133
Instrument	20190925000526520

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	CHESTERFIELD, MO 63005

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2049

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	5 ONYX CT, O FALLON, MO 63366-1813
Transaction Type	Mortgage
Record Updated	Oct 4, 2022
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000369590
Date	Jun 3, 2020
Book Page	7311/1389
Instrument	20200603000369590

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	CHESTERFIELD, MO 63005

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2050

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	5 ONYX CT, O FALLON, MO 63366-1813
Transaction Type	Mortgage
Record Updated	Oct 4, 2022
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5 ONYX CT, O FALLON, MO 63366-1813

Mortgage

Document Number	0000026353
Date	Mar 25, 2021
Instrument	2021R-026353

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	5 ONYX CT, O FALLON, MO 63366-1813
Transaction Type	Mortgage
Record Updated	Oct 4, 2022
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5 ONYX CT, O FALLON, MO 63366-1813

Mortgage

Document Number	0000017218
Date	Mar 24, 2022
Instrument	2022R-017218

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

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		$66,250 (-)	$348,685 (-) Land $60,000 Building $288,685
2025		$66,250	$348,685 Land $60,000 Building $288,685
2024	$3,954.00
2023		$59,777 (+28.19%)
2022	$3,321.00	$46,630	$314,618 (+28.2%) Land $50,000 Building $264,618
2021			$245,421 Land $40,000 Building $205,421

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 5 Onyx Ct in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective August 25, 2024

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 5 Onyx Ct is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 98% of the US · lower than 96% 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	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 280 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Gateway Fiber Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Wisper ISP.

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