5 Prairie Circle Ct, O Fallon, MO 63366 Property Records

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

Property Summary

Property Type	Single Family Home
Details	4 bd · 5 ba · 5,609 sqft · built 1999
Lot Size	3.1 acres (135,036 sqft)
Owner	2 Individual Names on Record
Last Sale	$547,500 (Nov 2018)
Tax Bill	$9,393 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage May 2021 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`A962001004`

Property Details

APN / Parcel Number

Primary APN	`A962001004`
Alternative APN	`2-0032-7386-00-0004.0000000`

Interior

Bedrooms	4 Beds
Full Baths	5 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	5,609 sqft Living Area
Gross Area	6,997 sqft
1st Floor Area	3,173 sqft
Basement Area	3,173 sqft
Finished Basement	2,436 sqft
Unfinished Basement	737 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Ranch
Exterior Material	Brick/Stone
Lot Area	135,036 sqft (3.1 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	651 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	219 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	A962001004
Street Address	5 PRAIRIE CIRCLE CT
City	O FALLON
State	MO
Zip	63366-4632
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AA1
Legal Description	PRAIRIE CROSSING LOT 4
Legal Subdivision	PRAIRIE CROSSING
Legal Lot Number	4
Jurisdiction	ST CHARLES MO
Township / Civil Division	WENTZVILLE
Census Block Group	2
Census Block	2025
Census Tract	312001

Owner

Source: St. Charles County records, as of July 17, 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	5 PRAIRIE CIRCLE CT, O FALLON, MO 63366-4632
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 16, 2026	Warranty Deed, Transfer · Conventional Mortgage STIFEL BANK AND TRUST
May 24, 2021	Deed of Trust, Mortgage · Line of Credit ALLIANT CU
Nov 17, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage AMERICAN MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 9, 2018 · Amount on Record
Deed Sale	Nov 9, 2018 · Amount on Record
Prior Sale	Mar 1, 1999 · Amount on Record
Deed Document Number	2018638700
Deed Book / Page	7001 / 1307
Last Transfer Date	Oct 21, 2020
Transfer Doc	0000089010
Record Updated	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jul 16, 2026
Property Address	5 PRAIRIE CIRCLE CT, O FALLON, MO 63366-4632
Document Number	0000033391
Instrument Date	Jul 15, 2026
Instrument	202633391
Transaction Type	Transfer
Record Updated	Jul 24, 2026
Title Company	INVESTORS LAND TITLE, INVESTORS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Estimated Sale Price
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust
Address	5 PRAIRIE CIRCLE CT, O FALLON, MO 63366-4632

Mortgage

Document Number	0000033392,
Date	Jul 16, 2026
Instrument	202633392

Lender

Name	STIFEL BANK AND TRUST

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 1, 2041

Interest

Rate Type	Fixed Rate
Rate	5.79%
Initial Type	Fixed Rate
Max Rate	-1%

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	5 PRAIRIE CIRCLE CT, O FALLON, MO 63366-4632
Transaction Type	Mortgage
Record Updated	Aug 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5 PRAIRIE CIRCLE CT, O FALLON, MO 63366-4632

Mortgage

Document Number	0000044527
Date	May 24, 2021
Instrument	2021R-044527

Lender

Name	ALLIANT CU
Type	Credit Union
Address	CHICAGO, IL 60666

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	May 23, 2036

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Nov 17, 2020
Property Address	5 PRAIRIE CIRCLE CT, O FALLON, MO 63366-4632
Document Number	0000089010
Map Reference	MB 32 PG 394
Instrument Date	Oct 21, 2020
Instrument	2020R-089010
Transaction Type	Transfer
Record Updated	Aug 16, 2022
Title Company	FREEDOM TITLE

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000089011
Date	Nov 17, 2020
Instrument	2020R-089011

Lender

Name	AMERICAN MORTGAGE CORP
Type	Mortgage Company
Address	CHESTERFIELD, MO 63005

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2050

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of August 13, 2025

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	Tax Bill	Assessed Value	Assessed Market Value
2025	$9,393.00	$154,079 (+11.26%)	$810,943 (+11.26%) Land $139,500 Building $671,443
2023		$138,485
2022			$728,867 Land $139,500 Building $589,367

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 62% of the US · lower than 67% of Missouri
Wildfire Likelihood	0.06% 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 31 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

May also be available: T-Mobile, Wisper ISP.

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