528 Villa Piazza Ct, O Fallon, MO 63366 Property Records

St. Charles County property record for 528 Villa Piazza Ct, O Fallon, MO 63366

Property Summary

Property Type	Condominium
Details	2 bd · 3 ba · 2,490 sqft · built 2000
Lot Size	0.06 acres (2,614 sqft)
Owner	Individual Name on Record
Last Sale	$307,000 (Dec 2024)
Tax Bill	$3,826 (2025)
Deeds & Mortgages	Oct 2022 Mortgage Aug 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`T010300430`

Property Details

APN / Parcel Number

Primary APN	`T010300430`
Alternative APN	`2-0104-8494-00-032C.0000000`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	2,490 sqft Living Area
Gross Area	3,380 sqft
1st Floor Area	1,490 sqft
Basement Area	1,490 sqft
Finished Basement	1,000 sqft
Unfinished Basement	490 sqft

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Spanish
Exterior Material	Brick/Stone
Lot Area	2,614 sqft (0.06 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	144 sqft
Deck Area	Deck Area
Patio Area	72 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T010300430
Street Address	528 VILLA PIAZZA CT
City	O FALLON
State	MO
Zip	63366-4448
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	VILLA CROSSING #2 RESUB 32 UNIT 32C
Legal Subdivision	VILLA CROSSING #2 RESUB 32
Legal Lot Number	32C
Jurisdiction	ST CHARLES MO
Township / Civil Division	O'FALLON
Census Block Group	5
Census Block	5001
Census Tract	311602

Owner

Source: St. Charles County records, as of September 10, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	528 VILLA PIAZZA CT, 32C, O FALLON, MO 63366-4448
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Oct 17, 2022	Warranty Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO
Aug 18, 2022	Warranty Deed, Transfer · Commercial Mortgage BDS 44 LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 5, 2024 · Amount on Record
Deed Sale	Dec 5, 2024 · Amount on Record
Prior Sale	Oct 17, 2022 · Amount on Record
Deed Document Number	202450844
Prior Transfer Date	Nov 17, 2023
Prior Transfer Doc	0000048095
Record Updated	Oct 29, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Oct 17, 2022
Property Address	528 VILLA PIAZZA CT, O FALLON, MO 63366-4448
Document Number	0000056678
Map Reference	MB 37 PG 26
Instrument Date	Oct 12, 2022
Instrument	2022R-056678
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	FREEDOM TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	801 S WOODLAWN AVE STE 22, 22, O FALLON, MO 63366-7647

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	528 VILLA PIAZZA CT # 32C, 32C, O FALLON, MO 63366-4448

Mortgage

Document Number	0000056679
Date	Oct 17, 2022
Instrument	2022R-056679

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Aug 18, 2022
Property Address	528 VILLA PIAZZA CT, O FALLON, MO 63366-4448
Document Number	0000045729
Map Reference	MB 37 PG 26
Instrument Date	Aug 12, 2022
Instrument	2022R-045729
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	FREEDOM TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12107 RIVERVIEW DR, SAINT LOUIS, MO 63138-3618

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	801 WOODLAWN AVE STE 22, 22, O FALLON, MO 63366-7647

Mortgage

Document Number	0000045730
Date	Aug 18, 2022
Instrument	2022R-045730

Lender

Name	BDS 44 LLC
Type	Non-Lending Institution

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

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		$59,534 (-)	$313,337 (-) Building $313,337
2025	$3,826.00	$59,534 (+11.72%)	$313,337 (+11.72%)
2023		$53,289
2022			$280,468 Building $280,468

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	5 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 95% of the US · lower than 93% 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 527 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Gateway Fiber Fiber	2,000 / 2,000
Spectrum Cable	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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