500 Cottage Xing, O Fallon, MO 63366 Property Records

St. Charles County property record for 500 Cottage Xing, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,993 sqft · built 2005
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on File
Last Sale	$233,100 (Mar 2020)
Tax Bill	$3,902 (2025)
Deeds & Mortgages	Mar 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`T060300222`

Property Details

APN / Parcel Number

Primary APN	`T060300222`
Alternative APN	`2-0042-9787-00-0069.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,993 sqft Living Area
Gross Area	3,331 sqft
1st Floor Area	1,198 sqft
Basement Area	897 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Lot Area	7,405 sqft (0.17 acres)
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	78 sqft
Patio Area	160 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T060300222
Street Address	500 COTTAGE XING
City	O FALLON
State	MO
Zip	63366-1491
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HYLAND GREEN #2 LOT 69
Legal Subdivision	HYLAND GREEN #2
Legal Lot Number	69
Jurisdiction	ST CHARLES MO
Township / Civil Division	WENTZVILLE
Census Block Group	3
Census Block	3026
Census Tract	311801

Owner

500 Cottage Xing is owned and occupied by two individuals who bought it in March 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	500 COTTAGE XING, O FALLON, MO 63366-1491
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 13, 2020 · Amount on File
Deed Sale	Mar 13, 2020 · Amount on File
Prior Sale	Nov 17, 2014 · Amount on File
Deed Document Number	2020156210
Deed Book / Page	7248 / 474
Prior Transfer Date	Mar 9, 2020
Prior Transfer Doc	0072480474
Record Updated	Oct 29, 2026

March 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CHARLES MO
Recording Date	Mar 13, 2020
Property Address	500 COTTAGE XING, O FALLON, MO 63366-1491
Document Number	0072480474
Book / Page	007248 / 000474
Instrument Date	Mar 9, 2020
Instrument	156210
Transaction Type	Transfer
Record Updated	Jun 29, 2020
Title Company	OTHER

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	500 COTTAGE XING O FALLON MO 633661491, O FALLON, MO 63366-1491

Mortgage

Document Number	72480476
Date	Mar 13, 2020
Book Page	007248/000476
Instrument	156220

Lender

Name	HOME LOAN EXPERT LLC
Address	SAINT LOUIS, MO 63144

Agreement

Amount	Amount on Record
Term	360 Months
Due	Mar 12, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 500 Cottage Xing was $3,902, down 0.9% from the year before.

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		$60,732 (-)	$319,642 (-) Land $65,000 Building $254,642
2025	$3,902.00 (-0.89%)	$60,732	$319,642 Land $65,000 Building $254,642
2024	$3,937.00
2023		$59,523
2022			$313,280 Land $45,000 Building $268,280

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 500 Cottage Xing in Zone X, an area of minimal flood risk.

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	8 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

Wildfire risk around 500 Cottage Xing is low, with 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	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 319 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Brightspeed Fiber	940 / 940
T-Mobile Fixed Wireless	100 / 20

May also be available: Wisper ISP.

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