St. Charles County property record for 508 Cottage Xing, O Fallon, MO 63366
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,376 sqft · built 2006 |
| Lot Size | 0.13 acres (5,663 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $370,000 (May 2025) |
| Tax Bill | $3,504 (2025) |
| Deeds & Mortgages | Apr 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | T060300218 |
| Primary APN | T060300218 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,376 sqft Living Area |
| Gross Area | 3,012 sqft |
| 1st Floor Area | 864 sqft |
| Basement Area | 864 sqft |
| Finished Basement | 648 sqft |
| Unfinished Basement | 216 sqft |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Architectural Style | Bi-Level |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 5,663 sqft (0.13 acres) |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 75 sqft |
| Heating Fuel | Gas |
|---|---|
| Sewer | Connected |
| Account Number | T060300218 |
|---|---|
| Street Address | 508 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 65 |
| Legal Subdivision | HYLAND GREEN #2 |
| Legal Lot Number | 65 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | WENTZVILLE |
| Census Block Group | 3 |
| Census Block | 3026 |
| Census Tract | 311801 |
Source: St. Charles County records, as of September 10, 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 | 508 COTTAGE XING, O FALLON, MO 63366-1491 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 21, 2025 · Amount on Record |
| Deed Sale | May 21, 2025 · Amount on Record |
| Prior Sale | Jul 13, 2006 · Amount on Record |
| Deed Document Number | 202521191 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Apr 2, 2026 |
| Property Address | 508 COTTAGE XING, O FALLON, MO 63366-1491 |
| Document Number | 0000015088 |
| Instrument Date | Mar 27, 2026 |
| Instrument | 202615088 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants, 205 |
| Address | 508 COTTAGE XING, O FALLON, MO 63366-1491 |
| Document Number | 0000015088, |
|---|---|
| Date | Apr 2, 2026 |
| Instrument | 202615088 |
| Name | AMERICAN MORTGAGE CORPORATION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.98% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | O'Fallon City |
| Unified School District | Fort Zumwalt R-II School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $54,467 (-) | $286,666 (-) Land $65,000 Building $221,666 | |
| 2025 | $3,504.00 (-5.12%) | $54,467 (-2.37%) | $286,666 (-2.37%) Land $65,000 Building $221,666 |
| 2024 | $3,693.00 | ||
| 2023 | $55,787 | ||
| 2022 | $293,616 Building $293,616 |
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.
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.
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.
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 |
| 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.
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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