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

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

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,352 sqft · built 2019
Lot Size	0.567 acres (24,742 sqft)
Owner	2 Individual Names on Record
Last Sale	$388,284 (Sep 2019)
Tax Bill	$5,251 (2025)
Deeds & Mortgages	Feb 2023 Line of Credit Aug 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`T190300288`

Property Details

APN / Parcel Number

Primary APN	`T190300288`
Alternative APN	`2-0087-C715-00-0649.0000000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,352 sqft Living Area
Basement Area	2,352 sqft

Exterior

Year Built	Built 2019
Exterior Material	Brick/Stone
Lot Area	24,742 sqft (0.567 acres)
Garage Type	Attached
Parking Spaces	4 Parking Spaces

Location & Zoning

Account Number	T190300288
Street Address	5 RIVER ROCK CT
City	O FALLON
State	MO
Zip	63366-1793
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RIVERDALE VLG E #1 LOT 649
Legal Range	02E
Legal Township	48N
Legal Subdivision	RIVERDALE VLG E #1
Legal Lot Number	649
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 March 16, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	5 RIVER ROCK CT, O FALLON, MO 63366-1793
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 27, 2023	Deed of Trust, Mortgage · Line of Credit VANTAGE CU
Aug 14, 2020	Deed of Trust, Mortgage NEW AMERICAN FNDG
Sep 24, 2019	Grant Deed, Subdivision Related Transfer NEW AMERICAN FNDG
Jun 28, 2019	Grant Deed, Transfer OTHER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 24, 2019 · Amount on Record
Deed Sale	Sep 24, 2019 · Amount on Record
Prior Sale	Jun 28, 2019
Deed Document Number	0007148790
Deed Book / Page	7148 / 790
Record Updated	Jun 8, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	5 RIVER ROCK CT, O FALLON, MO 63366-1793
Transaction Type	Mortgage
Record Updated	Mar 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5 RIVER ROCK CT, SAINT PAUL, MO 63366-1793

Mortgage

Document Number	0000007158
Date	Feb 27, 2023
Instrument	2023R-007158

Lender

Name	VANTAGE CU
Type	Credit Union
Address	SAINT CHARLES, MO 63304

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Feb 17, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	5 RIVER ROCK CT, O FALLON, MO 63366-1793
Document Number	0073751974
Instrument Date	Aug 14, 2020
Transaction Type	Mortgage
Record Updated	Oct 2, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5 RIVER ROCK CT ST PAUL MO 633661793, ST PAUL, MO 63366-1793

Mortgage

Document Number	0073751974
Date	Aug 19, 2020
Book Page	007375/001974
Instrument	599240

Lender

Name	NEW AMERICAN FNDG
Type	Funding / Finance Company
Address	TUSTIN, CA 92780

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 18, 2050

September 2019: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	ST CHARLES MO
Recording Date	Sep 24, 2019
Property Address	5 RIVER ROCK CT, O FALLON, MO 63366-1793
Document Number	0071480790
Book / Page	007148 / 000790
Instrument Date	Sep 18, 2019
Instrument	524280
Transaction Type	Subdivision Related Transfer
Record Updated	Oct 23, 2019
Title Company	OTHER

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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
Relationship	Husband and Wife
Address	5 RIVER ROCK CT ST PAUL MO 633661793, ST PAUL, MO 63366-1793

Mortgage

Document Number	71480792
Date	Sep 24, 2019
Book Page	007148/000792
Instrument	524290

Lender

Name	NEW AMERICAN FNDG
Type	Funding / Finance Company
Address	TUSTIN, CA 92780

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 23, 2049

June 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jun 28, 2019
Property Address	5 RIVER ROCK CT, O FALLON, MO 63366-1793
Document Number	0070971534
Book / Page	007097 / 001534
Instrument Date	Jun 27, 2019
Instrument	325750
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, 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	$5,251.00	$85,673 (-0.19%)	$450,909 (-0.19%) Land $70,000 Building $380,909
2023		$85,838
2022			$451,777 Land $55,000 Building $396,777

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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