1. Home
  2. Missouri
  3. St. Charles County
  4. O Fallon
  5. Cottage Xing

515 Cottage Xing, O Fallon, MO 63366 Property Records

St. Charles County property record for 515 Cottage Xing, O Fallon, MO 63366

Property Summary

Property TypeSingle Family Home
Details4 bd · 2.5 ba · 1,990 sqft · built 2006
Lot Size0.13 acres (5,663 sqft)
Owner2 Individual Names on Record
Last Sale$230,604 (Jul 2006)
Tax Bill$3,953 (2025)
Deeds & MortgagesJun 2021 Mortgage
Oct 2019 Loan Modification
Flood ZoneZone X (minimal risk)
APNT060300207

Property Details

APN / Parcel Number

Primary APNT060300207
Alternative APN
  • 2-0042-9787-00-0054.0000000

Interior

Bedrooms4 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Total Rooms7 Rooms
Stories2 Stories
Building Area1,990 sqft Living Area
Gross Area3,414 sqft
1st Floor Area1,034 sqft
Basement Area1,004 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2006
Effective Year BuiltEffective 2006
Architectural StyleBi-Level
Exterior MaterialBrick/Stone
Lot Area5,663 sqft (0.13 acres)
Garage TypeAttached
Garage Area420 sqft
Parking Spaces2 Parking Spaces
PorchOpen Porch
Porch Area24 sqft

Utilities, Heating & Cooling

Heating FuelGas
SewerConnected

Location & Zoning

Account NumberT060300207
Street Address515 COTTAGE XING
CityO FALLON
StateMO
Zip63366-1491
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionHYLAND GREEN #2 LOT 54
Legal SubdivisionHYLAND GREEN #2
Legal Lot Number54
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 shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on Record
Mailing Address515 COTTAGE XING, O FALLON, MO 63366-1491
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jun 2, 2021Deed of Trust, Mortgage · VA Mortgage
CARRINGTON MORTGAGE SERVICES LLC
Oct 11, 2019Loan Modification, Mortgage
CITIMORTGAGE

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJul 31, 2006 · Amount on Record
Deed SaleJul 31, 2006 · Amount on Record
Deed Document Number2006645250
Deed Book / Page4542 / 1186
Record UpdatedOct 29, 2026

June 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST CHARLES MO
Property Address515 COTTAGE XING, O FALLON, MO 63366-1491
Transaction TypeMortgage
Record UpdatedJun 17, 2021

Transferred To (Grantee/Buyer)

NameVerified Name
Address515 COTTAGE XING, O FALLON, MO 63366-1491

Mortgage

Document Number2021R046933
DateJun 2, 2021
Instrument2021R-046933
Lender
NameCARRINGTON MORTGAGE SERVICES LLC
TypeMortgage Company
AddressANAHEIM, CA 92806
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueJun 1, 2051

October 2019: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionST CHARLES MO
Property Address515 COTTAGE XING, O FALLON, MO 63366-1491
Document Number0071850541
Instrument DateOct 11, 2019
Transaction TypeMortgage
Record UpdatedDec 10, 2019
Title CompanyATTORNEY ONLY

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address515 COTTAGE XING O FALLON MO 633661491, O FALLON, MO 63366-1491

Mortgage

Document Number0071850541
DateNov 20, 2019
Book Page007185/000541
Instrument664940
Lender
NameCITIMORTGAGE
TypeMortgage Company
AddressEWING, NJ 08618
Agreement
AmountAmount Recorded
Term276 Months
DueNov 19, 2042
Interest
Rate TypeFixed Rate
Rate4%

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$61,529 (-)$323,838 (-) Land $65,000 Building $258,838
2025$3,953.00$61,529 (+1.96%)$323,838 (+1.96%) Land $65,000 Building $258,838
2023$60,348
2022$317,621 Land $45,000 Building $272,621

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
Nearest Special Flood Hazard AreaZone AE, within 500 ft
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.

Nearby Properties on Cottage Xing

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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