523 Cottage Xing, O Fallon, MO 63366 Property Records

St. Charles County property record for 523 Cottage Xing, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,784 sqft · built 2005
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on Record
Last Sale	$243,000 (Jun 2018)
Tax Bill	$3,688 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit Jun 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`T060300211`

Property Details

APN / Parcel Number

Primary APN	`T060300211`
Alternative APN	`2-0042-9787-00-0058.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,784 sqft Living Area
Gross Area	3,304 sqft
1st Floor Area	1,784 sqft
Basement Area	1,120 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	10,019 sqft (0.23 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	40 sqft
Deck Area	Deck Area
Patio Area	224 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T060300211
Street Address	523 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 58
Legal Subdivision	HYLAND GREEN #2
Legal Lot Number	58
Jurisdiction	ST CHARLES MO
Township / Civil Division	WENTZVILLE
Census Block Group	3
Census Block	3022
Census Tract	311801

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	523 COTTAGE XING, O FALLON, MO 63366-1491
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2026	Deed of Trust, Mortgage · Line of Credit UNION CREDIT UNION
Jun 20, 2018	Warranty Deed, Transfer · Conventional Mortgage US BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 20, 2018 · Amount on Record
Deed Sale	Jun 20, 2018 · Amount on Record
Prior Sale	May 2, 2013 · Amount on Record
Deed Document Number	2018344710
Deed Book / Page	6936 / 1699
Prior Transfer Date	Apr 25, 2013
Prior Transfer Doc	0060091630
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Recording Date	Jun 30, 2026
Property Address	523 COTTAGE XING, O FALLON, MO 63366-1491
Document Number	0000030519
Instrument Date	Apr 24, 2026
Instrument	202630519
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	523 COTTAGE XING, O FALLON, MO 63366-1491

Mortgage

Document Number	0000030519,
Date	Jun 30, 2026
Instrument	202630519

Lender

Name	UNION CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	298 Months
Due	Apr 24, 2051

Interest

Rate	6.38%
Max Rate	-1%

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jun 20, 2018
Property Address	523 COTTAGE XING, O FALLON, MO 63366-1491
Document Number	0069361699
Book / Page	6936 / 1699
Map Reference	MB 42 PG 49
Instrument Date	Jun 15, 2018
Instrument	20180620000344710
Transaction Type	Transfer
Record Updated	Aug 9, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3008 VILLAGE GLEN DR, 3008, WENTZVILLE, MO 63385-4766

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	523 COTTAGE XING, O FALLON, MO 63366-1491

Mortgage

Document Number	20180620000344720
Date	Jun 20, 2018
Instrument	20180620000344720

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2048

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		$57,359 (-)	$301,888 (-) Land $65,000 Building $236,888
2025	$3,688.00 (-5.41%)	$57,359 (-2.69%)	$301,888 (-2.69%) Land $65,000 Building $236,888
2024	$3,899.00
2023		$58,945
2022			$310,238 Building $310,238

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 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

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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