530 Topaz Dr, O Fallon, MO 63366 Property Records

St. Charles County property record for 530 Topaz Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,542 sqft · built 1999
Lot Size	0.21 acres (9,148 sqft)
Owner	Individual Name on File
Last Sale	$224,163 (Feb 2023)
Tax Bill	$3,816 (2025)
Deeds & Mortgages	Feb 2024 Second Mortgage Feb 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T990300255`

Property Details

APN / Parcel Number

Primary APN	`T990300255`
Alternative APN	`2-0051-8062-00-0062.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,542 sqft Living Area
Gross Area	3,442 sqft
1st Floor Area	1,542 sqft
Basement Area	1,500 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	9,148 sqft (0.21 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	85 sqft
Deck Area	Deck Area
Patio Area	458 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T990300255
Street Address	530 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 62
Legal Subdivision	DIAMOND PT #3
Legal Lot Number	62
Jurisdiction	ST CHARLES MO
Township / Civil Division	O'FALLON
Census Block Group	4
Census Block	4004
Census Tract	311602

Owner

530 Topaz Dr is owned and occupied by an individual who bought it in February 2023.

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

Owner of Record	Individual Name on File
Mailing Address	530 TOPAZ DR, O FALLON, MO 63366-7901
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
Feb 5, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK
Feb 22, 2023	Intrafamily Transfer, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Jun 9, 2021	Intrafamily Transfer, Transfer INVESTORS TITLE COMPANY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 22, 2023 · Amount on File
Deed Sale	Feb 22, 2023 · Amount on File
Prior Sale	Oct 6, 2015 · Amount on File
Deed Document Number	20236411
Prior Transfer Date	Feb 13, 2023
Prior Transfer Doc	0000006411
Record Updated	Oct 29, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	530 TOPAZ DR, O FALLON, MO 63366-7901
Transaction Type	Mortgage
Record Updated	Feb 19, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	530 TOPAZ DR, O FALLON, MO 63366-7901

Mortgage

Document Number	0000004539
Date	Feb 5, 2024
Instrument	2024R-004539

Lender

Name	DISCOVER BANK
Type	Bank
Address	GREENWOOD, DE 19950

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	240 Months
Due	Feb 5, 2044

February 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Feb 22, 2023
Property Address	530 TOPAZ DR, O FALLON, MO 63366-7901
Document Number	0000006411
Map Reference	MB 35 PG 189
Instrument Date	Feb 13, 2023
Instrument	2023R-006411
Transaction Type	Transfer
Record Updated	Mar 8, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	530 TOPAZ DR, O FALLON, MO 63366-7901

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	530 TOPAZ DR, O FALLON, MO 63366-7901

Mortgage

Document Number	0000006412
Date	Feb 22, 2023
Instrument	2023R-006412

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2053

June 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Jun 9, 2021
Property Address	530 TOPAZ DR, O FALLON, MO 63366-7901
Document Number	0000049161
Map Reference	MB 35 PG 189
Instrument Date	Jun 9, 2021
Instrument	2021R-049161
Transaction Type	Transfer
Record Updated	Oct 4, 2022
Title Company	INVESTORS TITLE COMPANY

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	530 TOPAZ DR, O FALLON, MO 63366-7901

Tax Assessment & Valuation

The 2025 property tax bill for 530 Topaz Dr was $3,816.

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		$59,375 (-)	$312,498 (-) Land $60,000 Building $252,498
2025	$3,816.00	$59,375	$312,498 Land $60,000 Building $252,498
2023		$54,662
2022			$287,693 Land $50,000 Building $237,693

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 530 Topaz Dr in Zone X, an area of minimal flood risk.

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

Wildfire risk around 530 Topaz Dr is low, with less than 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 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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