522 Topaz Dr, O Fallon, MO 63366 Property Records

St. Charles County property record for 522 Topaz Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,746 sqft · built 1999
Lot Size	0.21 acres (9,148 sqft)
Owner	2 Individual Names on Record
Last Sale	$201,000 (Jun 2006)
Tax Bill	$3,802 (2025)
Deeds & Mortgages	May 2023 Line of Credit May 2021 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`T990300253`

Property Details

APN / Parcel Number

Primary APN	`T990300253`
Alternative APN	`2-0051-8062-00-0060.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,746 sqft Living Area
Gross Area	3,102 sqft
1st Floor Area	940 sqft
Basement Area	916 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Bi-Level
Exterior Material	Brick/Stone
Lot Area	9,148 sqft (0.21 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Patio Area	100 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T990300253
Street Address	522 TOPAZ DR
City	O FALLON
State	MO
Zip	63366-7901
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DIAMOND POINTE #3 LOT 60
Legal Subdivision	DIAMOND PT #3
Legal Lot Number	60
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 shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	522 TOPAZ DR, O FALLON, MO 63366-7901
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 22, 2023	Deed of Trust, Mortgage · Line of Credit FIRST COMMUNITY CU
May 17, 2021	Deed of Trust, Mortgage · Line of Credit FIRST COMMUNITY CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 20, 2006 · Amount on Record
Deed Sale	Jun 20, 2006 · Amount on Record
Prior Sale	Apr 13, 2000 · Amount on Record
Deed Document Number	2006519910
Deed Book / Page	4511 / 1602
Record Updated	Oct 29, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	522 TOPAZ DR, O FALLON, MO 63366-7901
Transaction Type	Mortgage
Record Updated	Jun 5, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	522 TOPAZ DR, O FALLON, MO 63366-7901

Mortgage

Document Number	0000019297
Date	May 22, 2023
Instrument	2023R-019297

Lender

Name	FIRST COMMUNITY CU
Type	Credit Union
Address	63305

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	May 1, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	522 TOPAZ DR, O FALLON, MO 63366-7901
Transaction Type	Mortgage
Record Updated	Oct 4, 2022
Title Company	CLEAR TITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	522 TOPAZ DR, O FALLON, MO 63366-7901

Mortgage

Document Number	0000042486
Date	May 17, 2021
Instrument	2021R-042486

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	179 Months
Due	Apr 1, 2036

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		$59,152 (-)	$311,327 (-) Land $60,000 Building $251,327
2025	$3,802.00	$59,152 (+10.96%)	$311,327 (+10.96%) Land $60,000 Building $251,327
2023		$53,310
2022			$280,577 Land $50,000 Building $230,577

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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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