534 Topaz Dr, O Fallon, MO 63366 Property Records

St. Charles County property record for 534 Topaz Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,864 sqft · built 1999
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on Record
Last Sale	$234,900 (May 2017)
Tax Bill	$4,195 (2025)
Deeds & Mortgages	Dec 2025 Line of Credit Apr 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`T990300256`

Property Details

APN / Parcel Number

Primary APN	`T990300256`
Alternative APN	`2-0051-8062-00-0063.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,864 sqft Living Area
Gross Area	3,636 sqft
1st Floor Area	1,664 sqft
Basement Area	1,572 sqft
Finished Basement	1,200 sqft
Unfinished Basement	372 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	8,712 sqft (0.2 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	68 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T990300256
Street Address	534 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 63
Legal Subdivision	DIAMOND PT #3
Legal Lot Number	63
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 26, 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	534 TOPAZ DR, O FALLON, MO 63366-7901
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 11, 2025	Deed of Trust, Mortgage · Line of Credit US BANK NA
Apr 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage FRONTIER FINANCIAL INC
Jun 11, 2018	Deed of Trust, Mortgage COMMERCE BANK
May 17, 2017	Warranty Deed, Transfer · Conventional Mortgage FRONTIER FINANCIAL INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 17, 2017 · Amount on Record
Deed Sale	May 17, 2017 · Amount on Record
Prior Sale	Aug 3, 2016 · Amount on Record
Deed Document Number	2017300270
Deed Book / Page	6744 / 1180
Last Transfer Date	Oct 2, 2024
Transfer Doc	0000041414
Record Updated	Oct 29, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	534 TOPAZ DR, O FALLON, MO 63366-7901
Transaction Type	Mortgage
Record Updated	Dec 26, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	534 TOPAZ DR, O FALLON, MO 63366-7901

Mortgage

Document Number	0000055736
Date	Dec 11, 2025
Instrument	2025R-055736

Lender

Name	US BANK NA
Type	Bank
Address	SAINT LOUIS, MO 63124

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	534 TOPAZ DR, O FALLON, MO 63366-7901
Transaction Type	Mortgage
Record Updated	Oct 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000200880
Date	Apr 1, 2020
Book Page	7260/1879
Instrument	20200401000200880

Lender

Name	FRONTIER FINANCIAL INC
Type	Mortgage Company
Address	CHESTERFIELD, MO 63005

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Apr 1, 2040

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	534 TOPAZ DR, O FALLON, MO 63366-7901
Transaction Type	Mortgage
Record Updated	Oct 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000325320
Date	Jun 11, 2018
Book Page	6932/1013
Instrument	20180611000325320

Lender

Name	COMMERCE BANK
Type	Bank
Address	KANSAS CITY, MO 64106

Agreement

Amount	Amount Recorded
Term	72 Months
Due	Jun 4, 2024

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	May 17, 2017
Property Address	534 TOPAZ DR, O FALLON, MO 63366-7901
Document Number	0000300270
Book / Page	6744 / 1180
Map Reference	MB 35 PG 189
Instrument Date	May 12, 2017
Instrument	20170517000300270
Transaction Type	Transfer
Record Updated	Oct 4, 2022

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	2453 COUNTY FARM RD, 2453, WRIGHT CITY, MO 63390-1517

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	534 TOPAZ DR, O FALLON, MO 63366-7901

Mortgage

Document Number	0000300280
Date	May 17, 2017
Instrument	20170517000300280

Lender

Name	FRONTIER FINANCIAL INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2047

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		$65,329 (-)	$343,838 (-) Land $60,000 Building $283,838
2025	$4,195.00	$65,329 (+8.31%)	$343,838 (+8.31%) Land $60,000 Building $283,838
2023		$60,319
2022			$317,467 Land $50,000 Building $267,467

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
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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