510 Topaz Dr, O Fallon, MO 63366 Property Records

St. Charles County property record for 510 Topaz Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,882 sqft · built 1998
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on File
Last Sale	$151,900 (Jun 2013)
Tax Bill	$4,035 (2025)
Deeds & Mortgages	Jun 2017 Mortgage Jan 2018 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`T990300250`

Property Details

APN / Parcel Number

Primary APN	`T990300250`
Alternative APN	`2-0051-8062-00-0057.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,882 sqft Living Area
Gross Area	3,192 sqft
1st Floor Area	1,108 sqft
Basement Area	810 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Lot Area	8,712 sqft (0.2 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	500 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	150 sqft
Deck Area	Deck Area
Patio Area	344 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T990300250
Street Address	510 TOPAZ DR
City	O FALLON
State	MO
Zip	63366-7901
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DIAMOND POINTE #3 LOT 57
Legal Subdivision	DIAMOND PT #3
Legal Lot Number	57
Jurisdiction	ST CHARLES MO
Township / Civil Division	O'FALLON
Census Block Group	4
Census Block	4004
Census Tract	311602

Owner

510 Topaz Dr is owned and occupied by two individuals who bought it in June 2013.

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

Owner of Record	2 Individual Names on File
Mailing Address	510 TOPAZ DR, O FALLON, MO 63366-7901
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

Date	Document
Jun 9, 2017	Deed of Trust, Mortgage · Conventional Mortgage NATIONAL BANK OF KANSAS CITY
Jan 4, 2018	Deed of Trust, Mortgage · Line of Credit VANTAGE CU
Sep 23, 2019	Deed of Trust, Mortgage · Conventional Mortgage IBERIABANK
Mar 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST HORIZON BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 28, 2013 · Amount on File
Deed Sale	Jun 28, 2013 · Amount on File
Prior Sale	Nov 12, 2009 · Amount on File
Deed Document Number	2013509620
Deed Book / Page	6046 / 1842
Prior Transfer Date	Jun 19, 2013
Prior Transfer Doc	0000509620
Record Updated	Oct 29, 2026

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	510 TOPAZ DR, O FALLON, MO 63366-7901
Transaction Type	Mortgage
Record Updated	Oct 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000354280
Date	Jun 9, 2017
Book Page	6757/0319
Instrument	20170609000354280

Lender

Name	NATIONAL BANK OF KANSAS CITY
Type	Bank
Address	KANSAS CITY, MO 64114

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2047

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	510 TOPAZ DR, O FALLON, MO 63366-7901
Transaction Type	Mortgage
Record Updated	Oct 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006630
Date	Jan 4, 2018
Book Page	6862/1837
Instrument	20180104000006630

Lender

Name	VANTAGE CU
Type	Credit Union
Address	BRIDGETON, MO 63044

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	299 Months
Due	Dec 6, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	510 TOPAZ DR, O FALLON, MO 63366-7901
Transaction Type	Mortgage
Record Updated	Oct 4, 2022
Title Company	TITLE PARTNERS AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000519810
Date	Sep 23, 2019
Book Page	7147/0123
Instrument	20190923000519810

Lender

Name	IBERIABANK
Type	Bank
Address	LAFAYETTE, LA 70501

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Oct 1, 2039

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	510 TOPAZ DR, O FALLON, MO 63366-7901
Transaction Type	Mortgage
Record Updated	Oct 4, 2022
Title Company	TITLE PARTNER AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	510 TOPAZ DR, O FALLON, MO 63366-7901

Mortgage

Document Number	0000019446
Date	Mar 5, 2021
Instrument	2021R-019446

Lender

Name	FIRST HORIZON BANK
Type	Bank
Address	MEMPHIS, TN 38103

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Apr 1, 2036

Tax Assessment & Valuation

The 2025 property tax bill for 510 Topaz Dr was $4,035.

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		$62,825 (-)	$330,658 (-) Land $60,000 Building $270,658
2025	$4,035.00	$62,825	$330,658 Land $60,000 Building $270,658
2023		$56,678
2022			$298,307 Land $50,000 Building $248,307

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 510 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

Wildfire risk around 510 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.

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 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.

Nearby Properties on Topaz Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures