517 Cottage Xing, O Fallon, MO 63366 Property Records

St. Charles County property record for 517 Cottage Xing, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,728 sqft · built 2007
Lot Size	0.13 acres (5,663 sqft)
Owner	Individual Name on File
Last Sale	$196,500 (Sep 2010)
Tax Bill	$3,678 (2025)
Deeds & Mortgages	Oct 2022 Mortgage Dec 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`T060300208`

Property Details

APN / Parcel Number

Primary APN	`T060300208`
Alternative APN	`2-0042-9787-00-0055.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,728 sqft Living Area
Gross Area	3,012 sqft
1st Floor Area	864 sqft
Basement Area	864 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Lot Area	5,663 sqft (0.13 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	75 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T060300208
Street Address	517 COTTAGE XING
City	O FALLON
State	MO
Zip	63366-1491
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HYLAND GREEN #2 LOT 55
Legal Subdivision	HYLAND GREEN #2
Legal Lot Number	55
Jurisdiction	ST CHARLES MO
Township / Civil Division	WENTZVILLE
Census Block Group	3
Census Block	3022
Census Tract	311801

Owner

517 Cottage Xing is owned and occupied by an individual who bought it in September 2010.

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

Owner of Record	Individual Name on File
Mailing Address	517 COTTAGE XING, O FALLON, MO 63366-1491
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
Oct 21, 2022	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC
Dec 9, 2021	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 1, 2010 · Amount on File
Deed Sale	Sep 1, 2010 · Amount on File
Prior Sale	Jun 26, 2008 · Amount on File
Deed Document Number	2010549930
Deed Book / Page	5440 / 2295
Prior Transfer Date	Aug 26, 2010
Prior Transfer Doc	0054402295
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	517 COTTAGE XING, O FALLON, MO 63366-1491
Transaction Type	Mortgage
Record Updated	Nov 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	517 COTTAGE XING, O FALLON, MO 63366-1491

Mortgage

Document Number	0000057661
Date	Oct 21, 2022
Instrument	2022R-057661

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2052

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	517 COTTAGE XING, O FALLON, MO 63366-1491
Transaction Type	Mortgage
Record Updated	Dec 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	517 COTTAGE XING, O FALLON, MO 63366-1491

Mortgage

Document Number	0000099576
Date	Dec 9, 2021
Instrument	2021R-099576

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jan 1, 2037

Tax Assessment & Valuation

The 2025 property tax bill for 517 Cottage Xing was $3,678, down 4.2% from the year before.

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		$57,200 (-)	$301,052 (-) Land $65,000 Building $236,052
2025	$3,678.00 (-4.17%)	$57,200	$301,052 Land $65,000 Building $236,052
2024	$3,838.00
2023		$58,000
2022			$305,264 Building $305,264

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 517 Cottage Xing in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective August 25, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	8 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

Wildfire risk around 517 Cottage Xing is low, with 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 98% of the US · lower than 96% of Missouri
Wildfire Likelihood	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 319 locations within half a mile, as of December 31, 2025

Provider	Max 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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