St. Charles County property record for 509 Topaz Dr, O Fallon, MO 63366
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,516 sqft · built 1999 |
| Lot Size | 0.21 acres (9,148 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $180,000 (Sep 2013) |
| Tax Bill | $3,711 (2025) |
| Deeds & Mortgages | Apr 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | T990300246 |
| Primary APN | T990300246 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,516 sqft Living Area |
| Gross Area | 3,416 sqft |
| 1st Floor Area | 1,516 sqft |
| Basement Area | 1,500 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Lot Area | 9,148 sqft (0.21 acres) |
| Terrain | Rolling |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 249 sqft |
| Heating Fuel | Gas |
|---|---|
| Sewer | Connected |
| Account Number | T990300246 |
|---|---|
| Street Address | 509 TOPAZ DR |
| City | O FALLON |
| State | MO |
| Zip | 63366-7906 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | DIAMOND POINTE #3 LOT 53 |
| Legal Subdivision | DIAMOND PT #3 |
| Legal Lot Number | 53 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | O'FALLON |
| Census Block Group | 4 |
| Census Block | 4004 |
| Census Tract | 311602 |
509 Topaz Dr is owned and occupied by two individuals who bought it in September 2013.
Source: St. Charles County records, as of August 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 509 TOPAZ DR, O FALLON, MO 63366-7906 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 13, 2013 · Amount on File |
| Deed Sale | Sep 13, 2013 · Amount on File |
| Prior Sale | Jan 28, 2005 · Amount on File |
| Deed Document Number | 2013723480 |
| Deed Book / Page | 6092 / 411 |
| Prior Transfer Date | Sep 21, 2007 |
| Prior Transfer Doc | 0000805210 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 509 TOPAZ DR, O FALLON, MO 63366-7906 |
| Transaction Type | Mortgage |
| Record Updated | Oct 4, 2022 |
| Title Company | TOUCHSTONE TITLE & ABSTRACT |
| Name | Verified Name |
|---|---|
| Address | 509 TOPAZ DR, O FALLON, MO 63366-7906 |
| Document Number | 0000030182 |
|---|---|
| Date | Apr 6, 2021 |
| Instrument | 2021R-030182 |
| Name | F & B ACQUISTION GROUP LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | SAINT LOUIS, MO 63131 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | May 1, 2036 |
The 2025 property tax bill for 509 Topaz Dr was $3,711, up 5.5% from the year before.
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 | $57,722 (-) | $303,801 (-) Land $60,000 Building $243,801 | |
| 2025 | $3,711.00 (+5.55%) | $57,722 | $303,801 Land $60,000 Building $243,801 |
| 2024 | $3,516.00 | ||
| 2023 | $53,087 | ||
| 2022 | $279,405 Land $50,000 Building $229,405 |
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.
FEMA maps place 509 Topaz Dr in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective August 25, 2024
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 509 Topaz Dr is low, with less than 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 99.1% of the US · lower than 98.2% of Missouri |
|---|---|
| Wildfire Likelihood | Under 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 280 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Gateway Fiber Fiber | 2,000 / 2,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Wisper ISP.
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