511 Sapphire Dr, O Fallon, MO 63366 Property Records

St. Charles County property record for 511 Sapphire Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,935 sqft · built 2000
Lot Size	0.21 acres (9,148 sqft)
Owner	2 Individual Names on Record
Last Sale	$198,940 (Aug 2007)
Tax Bill	$4,110 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Mar 2024 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`T990300264`

Property Details

APN / Parcel Number

Primary APN	`T990300264`
Alternative APN	`2-0051-8062-00-0071.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,935 sqft Living Area
Gross Area	3,218 sqft
1st Floor Area	1,147 sqft
Basement Area	837 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Lot Area	9,148 sqft (0.21 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	446 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	186 sqft
Deck Area	Deck Area
Patio Area	280 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T990300264
Street Address	511 SAPPHIRE DR
City	O FALLON
State	MO
Zip	63366-1889
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DIAMOND POINTE #3 LOT 71
Legal Subdivision	DIAMOND PT #3
Legal Lot Number	71
Jurisdiction	ST CHARLES MO
Township / Civil Division	O'FALLON
Census Block Group	4
Census Block	4004
Census Tract	311602

Owner

Source: St. Charles County records, as of September 15, 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	511 SAPPHIRE DR, O FALLON, MO 63366-1889
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 3, 2026	Deed of Trust, Mortgage · FHA Mortgage UNITED WHOLESALE MORTGAGE
Mar 12, 2024	Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MORTGAGE LLC
Jan 24, 2022	Deed of Trust, Mortgage · Conventional Mortgage PARAMOUNT RESIDENTIAL MORTGAGE GROUP INC
Jun 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage PARAMOUNT RESIDENTIAL MORTGAGE GROUP INC
Oct 4, 2019	Deed of Trust, Mortgage · FHA Mortgage MR COOPER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 10, 2007 · Amount on Record
Deed Sale	Aug 10, 2007 · Amount on Record
Prior Sale	Sep 23, 2005 · Amount on Record
Deed Document Number	2007666890
Deed Book / Page	4817 / 2411
Prior Transfer Date	Dec 12, 2000
Prior Transfer Doc	0000077708
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Recording Date	Sep 3, 2026
Property Address	511 SAPPHIRE DR, O FALLON, MO 63366-1889
Document Number	0000042423
Instrument Date	Jul 21, 2026
Instrument	202642423
Transaction Type	Mortgage
Record Updated	Sep 15, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	511 SAPPHIRE DR, O FALLON, MO 63366-1889

Mortgage

Document Number	0000042423,
Date	Sep 3, 2026
Instrument	202642423

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Max Rate	-1%

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	511 SAPPHIRE DR, O FALLON, MO 63366-1889
Transaction Type	Mortgage
Record Updated	Mar 27, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	511 SAPPHIRE DR, O FALLON, MO 63366-1889

Mortgage

Document Number	0000009169
Date	Mar 12, 2024
Instrument	2024R-009169

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	KANSAS CITY, MO 64105

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2054

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	511 SAPPHIRE DR, O FALLON, MO 63366-1889
Transaction Type	Mortgage
Record Updated	Oct 4, 2022
Title Company	TITLE PARTNERS AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	511 SAPPHIRE DR, O FALLON, MO 63366-1889

Mortgage

Document Number	0000004749
Date	Jan 24, 2022
Instrument	2022R-004749

Lender

Name	PARAMOUNT RESIDENTIAL MORTGAGE GROUP INC
Type	Mortgage Company
Address	CORONA, CA 92879

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	511 SAPPHIRE DR, O FALLON, MO 63366-1889
Transaction Type	Mortgage
Record Updated	Oct 4, 2022
Title Company	TITLE PARTNERS AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	511 SAPPHIRE DR, O FALLON, MO 63366-1889

Mortgage

Document Number	0000053703
Date	Jun 25, 2021
Instrument	2021R-053703

Lender

Name	PARAMOUNT RESIDENTIAL MORTGAGE GROUP INC
Type	Mortgage Company
Address	CORONA, CA 92879

Agreement

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

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	511 SAPPHIRE DR, O FALLON, MO 63366-1889
Document Number	0071612403
Instrument Date	Oct 4, 2019
Transaction Type	Mortgage
Record Updated	Nov 4, 2019
Title Company	TITLE PARTNERS AGENCY LLC, TITLE PTRS AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	511 SAPPHIRE DR O FALLON MO 633661889, O FALLON, MO 63366-1889

Mortgage

Document Number	0071612403
Date	Oct 15, 2019
Book Page	007161/002403
Instrument	575820

Lender

Name	MR COOPER
Address	DALLAS, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 14, 2049

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		$63,997 (-)	$336,824 (-) Land $60,000 Building $276,824
2025	$4,110.00 (+7.59%)	$63,997 (+10.85%)	$336,824 (+10.85%) Land $60,000 Building $276,824
2024	$3,820.00
2023		$57,735
2022			$303,869 Land $50,000 Building $253,869

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

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

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.

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