St. Charles County property record for 538 Topaz Dr, O Fallon, MO 63366
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,464 sqft · built 1999 |
| Lot Size | 0.19 acres (8,276 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $219,500 (Apr 2017) |
| Tax Bill | $3,595 (2025) |
| Deeds & Mortgages | Apr 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | T990300257 |
| Primary APN | T990300257 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,464 sqft Living Area |
| Gross Area | 3,236 sqft |
| 1st Floor Area | 1,464 sqft |
| Basement Area | 1,392 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Lot Area | 8,276 sqft (0.19 acres) |
| Terrain | Rolling |
| Garage Type | Attached |
| Garage Area | 380 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 72 sqft |
| Patio Area | 322 sqft |
| Heating Fuel | Gas |
|---|---|
| Sewer | Connected |
| Account Number | T990300257 |
|---|---|
| Street Address | 538 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 64 |
| Legal Subdivision | DIAMOND PT #3 |
| Legal Lot Number | 64 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | O'FALLON |
| Census Block Group | 4 |
| Census Block | 4004 |
| Census Tract | 311602 |
538 Topaz Dr is owned and occupied by two individuals who bought it in April 2017.
Source: St. Charles County records, as of August 7, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 538 TOPAZ DR, O FALLON, MO 63366-7901 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 25, 2017 · Amount on File |
| Deed Sale | Apr 25, 2017 · Amount on File |
| Prior Sale | Apr 12, 1999 · Amount on File |
| Deed Document Number | 2017248580 |
| Deed Book / Page | 6733 / 1 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Apr 25, 2017 |
| Property Address | 538 TOPAZ DR, O FALLON, MO 63366-7901 |
| Document Number | 0000248580 |
| Book / Page | 6733 / 0001 |
| Map Reference | MB 35 PG 189 |
| Instrument Date | Apr 20, 2017 |
| Instrument | 20170425000248580 |
| Transaction Type | Transfer |
| Record Updated | Oct 4, 2022 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 818 HIGHLAND HILL CT, 818, SAINT PETERS, MO 63376-2677 |
| Name | Verified Name |
|---|---|
| Address | 538 TOPAZ DR, NEW MELLE, MO 63365 |
| Document Number | 0000248590 |
|---|---|
| Date | Apr 25, 2017 |
| Instrument | 20170425000248590 |
| Name | FIRST COMMUNITY CU OF BELOIT |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2047 |
The 2025 property tax bill for 538 Topaz Dr was $3,595.
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | O'Fallon City |
| Unified School District | Fort Zumwalt R-II School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $55,897 (-) | $294,195 (-) Land $60,000 Building $234,195 | |
| 2025 | $3,595.00 | $55,897 | $294,195 Land $60,000 Building $234,195 |
| 2023 | $51,356 | ||
| 2022 | $270,297 Land $50,000 Building $220,297 |
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.
FEMA maps place 538 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 risk around 538 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.
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 |
| 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.
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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