515 Topaz Dr, O Fallon, MO 63366 Property Records

St. Charles County property record for 515 Topaz Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,755 sqft · built 1999
Lot Size	0.24 acres (10,454 sqft)
Owner	2 Individual Names on Record
Last Sale	$183,000 (Apr 2004)
Tax Bill	$3,855 (2025)
Deeds & Mortgages	Apr 2023 Sale Apr 2017 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`T990300245`

Property Details

APN / Parcel Number

Primary APN	`T990300245`
Alternative APN	`2-0051-8062-00-0052.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,755 sqft Living Area
Gross Area	3,342 sqft
1st Floor Area	960 sqft
Basement Area	900 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Lot Area	10,454 sqft (0.24 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	687 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	155 sqft
Patio Area	480 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T990300245
Street Address	515 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 52
Legal Subdivision	DIAMOND PT #3
Legal Lot Number	52
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 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 Record	2 Individual Names on Record
Mailing Address	515 TOPAZ DR, O FALLON, MO 63366-7906
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 3, 2023	Beneficiary Deed, Transfer
Apr 13, 2017	Deed of Trust, Mortgage · Line of Credit FIRST COMMUNITY CU OF BELOIT
Oct 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage M & T BANK
Aug 10, 2022	Deed of Trust, Mortgage · Line of Credit FIRST COMMUNITY CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 6, 2004 · Amount on Record
Deed Sale	Apr 6, 2004 · Amount on Record
Prior Sale	Sep 24, 1999 · Amount on Record
Deed Document Number	2004307160
Deed Book / Page	3828 / 230
Last Transfer Date	Mar 30, 2023
Transfer Doc	0000012139
Record Updated	Oct 29, 2026

April 2023: Beneficiary Deed, Transfer

Document Type	Beneficiary Deed
Jurisdiction	ST CHARLES MO
Recording Date	Apr 3, 2023
Property Address	515 TOPAZ DR, O FALLON, MO 63366-7906
Document Number	0000012139
Map Reference	MB 35 PG 189
Instrument Date	Mar 30, 2023
Instrument	2023R-012139
Transaction Type	Transfer
Record Updated	Apr 17, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	515 TOPAZ DR, O FALLON, MO 63366-7906

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	515 TOPAZ DR, O FALLON, MO 63366-7906

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	515 TOPAZ DR, O FALLON, MO 63366-7906
Transaction Type	Mortgage
Record Updated	Oct 4, 2022
Title Company	CLEAR TITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000220690
Date	Apr 13, 2017
Book Page	6727/0494
Instrument	20170413000220690

Lender

Name	FIRST COMMUNITY CU OF BELOIT
Type	Credit Union
Address	CHESTERFIELD, MO 63005

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	179 Months
Due	Mar 25, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	515 TOPAZ DR, O FALLON, MO 63366-7906
Transaction Type	Mortgage
Record Updated	Oct 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	515 TOPAZ DR, O FALLON, MO 63366-7906

Mortgage

Document Number	0000082116
Date	Oct 1, 2021
Instrument	2021R-082116

Lender

Name	M & T BANK
Type	Bank
Address	BUFFALO, NY 14203

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Oct 1, 2031

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	515 TOPAZ DR, O FALLON, MO 63366-7906
Transaction Type	Mortgage
Record Updated	Oct 4, 2022
Title Company	TOUCHSTONE TITLE & ABSTRACT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	515 TOPAZ DR, O FALLON, MO 63366-7906

Mortgage

Document Number	0000044361
Date	Aug 10, 2022
Instrument	2022R-044361

Lender

Name	FIRST COMMUNITY CU
Type	Credit Union
Address	CHESTERFIELD, MO 63005

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	179 Months
Due	Jul 1, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$59,993 (-)	$315,751 (-) Land $60,000 Building $255,751
2025	$3,855.00	$59,993 (+10.86%)	$315,751 (+10.86%) Land $60,000 Building $255,751
2023		$54,115
2022			$284,814 Land $50,000 Building $234,814

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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