504 Cottage Xing, O Fallon, MO 63366 Property Records

St. Charles County property record for 504 Cottage Xing, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,157 sqft · built 2006
Lot Size	0.13 acres (5,663 sqft)
Owner	2 Individual Names on Record
Last Sale	$177,966 (Nov 2006)
Tax Bill	$3,091 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Mar 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`T060300220`

Property Details

APN / Parcel Number

Primary APN	`T060300220`
Alternative APN	`2-0042-9787-00-0067.0000000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,157 sqft Living Area
Gross Area	2,702 sqft
1st Floor Area	1,157 sqft
Basement Area	1,145 sqft

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Ranch
Exterior Material	Brick/Stone
Lot Area	5,663 sqft (0.13 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	42 sqft
Patio Area	240 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T060300220
Street Address	504 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 67
Legal Subdivision	HYLAND GREEN #2
Legal Lot Number	67
Jurisdiction	ST CHARLES MO
Township / Civil Division	WENTZVILLE
Census Block Group	3
Census Block	3026
Census Tract	311801

Owner

Source: St. Charles County records, as of August 7, 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	504 COTTAGE XING, O FALLON, MO 63366-1491
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST COMMERCE CU
Mar 5, 2018	Deed of Trust, Mortgage · Conventional Mortgage FIRST COMMUNITY CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 1, 2006 · Amount on Record
Deed Sale	Nov 1, 2006 · Amount on Record
Deed Document Number	2006937200
Deed Book / Page	4613 / 1023
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	504 COTTAGE XING, O FALLON, MO 63366-1491
Transaction Type	Mortgage
Record Updated	Oct 15, 2021
Title Company	CLEAR TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	504 COTTAGE XING, O FALLON, MO 63366-1491

Mortgage

Document Number	2021R082432
Date	Oct 4, 2021
Instrument	2021R-082432

Lender

Name	FIRST COMMERCE CU
Type	Credit Union
Address	CHESTERFIELD, MO 63005

Agreement

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

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	504 COTTAGE XING, O FALLON, MO 63366-1491
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0068861847
Date	Mar 5, 2018
Book Page	6886/1847
Instrument	20180305000115130

Lender

Name	FIRST COMMUNITY CU
Type	Credit Union
Address	CHESTERFIELD, MO 63005

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2048

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		$47,965 (-)	$252,445 (-) Land $65,000 Building $187,445
2025	$3,091.00	$47,965 (+4.22%)	$252,445 (+4.22%) Land $65,000 Building $187,445
2023		$46,022
2022			$242,221 Land $45,000 Building $197,221

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	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

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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