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513 Cottage Xing, O Fallon, MO 63366 Property Records

St. Charles County property record for 513 Cottage Xing, O Fallon, MO 63366

Property Summary

Property TypeSingle Family Home
Details3 bd · 3 ba · 2,055 sqft · built 2006
Lot Size0.13 acres (5,663 sqft)
Owner2 Individual Names on Record
Last Sale$225,000 (Jul 2020)
Tax Bill$3,220 (2025)
Deeds & MortgagesJul 2020 Mortgage
Flood ZoneZone X (minimal risk)
APNT060300206

Property Details

APN / Parcel Number

Primary APNT060300206
Alternative APN
  • 2-0042-9787-00-0053.0000000

Interior

Bedrooms3 Beds
Full Baths3 Baths
Total Rooms6 Rooms
Stories1 Story
Building Area2,055 sqft Living Area
Gross Area2,622 sqft
1st Floor Area1,111 sqft
Basement Area1,111 sqft
Finished Basement944 sqft
Unfinished Basement167 sqft

Exterior

Year BuiltBuilt 2006
Effective Year BuiltEffective 2006
Architectural StyleRanch
Exterior MaterialAluminum/Vinyl
Lot Area5,663 sqft (0.13 acres)
Garage TypeAttached
Garage Area400 sqft
Parking Spaces2 Parking Spaces
PorchOpen Porch
Porch Area36 sqft

Utilities, Heating & Cooling

Heating FuelGas
SewerConnected

Location & Zoning

Account NumberT060300206
Street Address513 COTTAGE XING
CityO FALLON
StateMO
Zip63366-1491
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionHYLAND GREEN #2 LOT 53
Legal SubdivisionHYLAND GREEN #2
Legal Lot Number53
JurisdictionST CHARLES MO
Township / Civil DivisionWENTZVILLE
Census Block Group3
Census Block3022
Census Tract311801

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record2 Individual Names on Record
Mailing Address513 COTTAGE XING, O FALLON, MO 63366-1491
OccupancyOwner Occupied
Owner TypeIndividual
VestingTenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJul 2, 2020 · Amount on Record
Deed SaleJul 2, 2020 · Amount on Record
Prior SaleJul 2, 2020 · Amount on Record
Deed Document Number2020458320
Deed Book / Page7335 / 2333
Prior Transfer DateSep 29, 2010
Prior Transfer Doc0054690680
Record UpdatedOct 29, 2026

July 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionST CHARLES MO
Recording DateJul 2, 2020
Property Address513 COTTAGE XING, O FALLON, MO 63366-1491
Document Number0073352333
Book / Page7335 / 2333
Map ReferenceMB 42 PG 49
Instrument DateJun 25, 2020
Instrument20200702000458320
Transaction TypeTransfer
Record UpdatedAug 9, 2021
Title CompanyUS TITLE CORP & AGCY INC

Transaction

Tax$0.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address513 COTTAGE XING, O FALLON, MO 63366-1491

Mortgage

Document Number20200702000458330
DateJul 2, 2020
Instrument20200702000458330
Lender
NameFLAT BRANCH HOME LOANS INC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJul 1, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateMissouri
CountySt. Charles County
MunicipalityO'Fallon City
Unified School DistrictFort Zumwalt R-II School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$50,003 (-)$263,175 (-) Land $65,000 Building $198,175
2025$3,220.00 (+1%)$50,003 (+4.01%)$263,175 (+4.01%) Land $65,000 Building $198,175
2024$3,188.00
2023$48,076
2022$253,033 Land $45,000 Building $208,033

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies8 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 98% of the US · lower than 96% of Missouri
Wildfire Likelihood0.01% annual chance
ExposureNone
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 SystemOFALLON PWS
serves 32,515 people · EPA ID MO6010588
Water SourcePurchased surface water from several systems
Last State InspectionAug 2024
Lead2 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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

ProviderMax 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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