506 Cottage Xing, O Fallon, MO 63366 Property Records

St. Charles County property record for 506 Cottage Xing, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,574 sqft · built 2006
Lot Size	0.13 acres (5,663 sqft)
Owner	2 Individual Names on File
Last Sale	$295,000 (May 2021)
Tax Bill	$3,970 (2025)
Deeds & Mortgages	May 2021 Mortgage Jun 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T060300219`

Property Details

APN / Parcel Number

Primary APN	`T060300219`
Alternative APN	`2-0042-9787-00-0066.0000000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,574 sqft Living Area
Gross Area	3,244 sqft
1st Floor Area	1,152 sqft
Basement Area	900 sqft
Finished Basement	630 sqft
Unfinished Basement	270 sqft

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Bi-Level
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	25 sqft
Patio Area	500 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T060300219
Street Address	506 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 66
Legal Subdivision	HYLAND GREEN #2
Legal Lot Number	66
Jurisdiction	ST CHARLES MO
Township / Civil Division	WENTZVILLE
Census Block Group	3
Census Block	3026
Census Tract	311801

Owner

506 Cottage Xing is owned by two individuals who bought it in May 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	1128 RED MAPLE DR, TROY, OH 45373-4495
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
May 18, 2021	Warranty Deed, Transfer · Conventional Mortgage PARAMOUNT BANK
Jun 29, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage FIRST COMMUNITY CU
Mar 3, 2017	Warranty Deed, Transfer · Conventional Mortgage FIRST COMMUNITY CU OF BELOIT

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 18, 2021 · Amount on File
Deed Sale	May 18, 2021 · Amount on File
Prior Sale	Jun 29, 2020 · Amount on File
Deed Document Number	202143100
Prior Transfer Date	Jun 16, 2020
Prior Transfer Doc	0073302198
Record Updated	Oct 29, 2026

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	May 18, 2021
Property Address	506 COTTAGE XING, O FALLON, MO 63366-1491
Document Number	2021R043100
Map Reference	MB 42 PG 49
Instrument Date	May 14, 2021
Instrument	2021R-043100
Transaction Type	Transfer
Record Updated	Jun 2, 2021
Title Company	TITLE PARTNERS AGENCY LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	367 GALAHAD CT, 367, WELDON SPRING, MO 63304-5700

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	506 COTTAGE XING, O FALLON, MO 63366-1491

Mortgage

Document Number	2021R043101
Date	May 18, 2021
Instrument	2021R-043101

Lender

Name	PARAMOUNT BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

June 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Jun 29, 2020
Property Address	506 COTTAGE XING, O FALLON, MO 63366-1491
Document Number	0073302198
Book / Page	7330 / 2198
Map Reference	MB 42 PG 49
Instrument Date	Jun 16, 2020
Instrument	20200629000441420
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	TOUCHSTONE TITLE & ABSTRACT

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	506 COTTAGE XING, O FALLON, MO 63366-1491

Mortgage

Document Number	20200629000441430
Date	Jun 29, 2020
Instrument	20200629000441430

Lender

Name	FIRST COMMUNITY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2050

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Mar 3, 2017
Property Address	506 COTTAGE XING, O FALLON, MO 63366-1491
Document Number	0067070402
Book / Page	6707 / 0402
Map Reference	MB 42 PG 49
Instrument Date	Feb 28, 2017
Instrument	20170303000131510
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	TITLE PARTNERS AGENCY LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	506 COTTAGE XING # D, D, O FALLON, MO 63366-1491

Mortgage

Document Number	20170303000131520
Date	Mar 3, 2017
Instrument	20170303000131520

Lender

Name	FIRST COMMUNITY CU OF BELOIT
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 506 Cottage Xing was $3,970, down 1% 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		$61,797 (-)	$325,246 (-) Land $65,000 Building $260,246
2025	$3,970.00 (-0.97%)	$61,797	$325,246 Land $65,000 Building $260,246
2024	$4,009.00
2023		$60,612
2022			$319,013 Land $45,000 Building $274,013

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 506 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 506 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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