54 Georgetown Cir, O Fallon, MO 63368 Property Records

St. Charles County property record for 54 Georgetown Cir, O Fallon, MO 63368

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,058 sqft · built 1989
Lot Size	0.36 acres (15,682 sqft)
Owner	Individual Name on Record
Last Sale	$350,000 (Aug 2023)
Tax Bill	$4,485 (2025)
Deeds & Mortgages	Jan 2026 Mortgage May 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`A902001132`

Property Details

APN / Parcel Number

Primary APN	`A902001132`
Alternative APN	`2-0070-6537-00-0089.0000000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,058 sqft Living Area
1st Floor Area	1,154 sqft
Basement Area	1,032 sqft
Finished Basement	550 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Architectural Style	Other
Exterior Material	Brick/Stone
Lot Area	15,682 sqft (0.36 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	35 sqft
Patio Area	300 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Sewer	Connected

Location & Zoning

Account Number	A902001132
Old Parcel Number	A902001132
Street Address	54 GEORGETOWN CIR
City	O FALLON
State	MO
Zip	63368-8550
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MONTICELLO VLG C LOT 89
Legal Range	03E
Legal Township	46N
Legal Subdivision	MONTICELLO VLG C
Legal Lot Number	89
Jurisdiction	ST CHARLES MO
Township / Civil Division	WELDON SPRING
Census Block Group	3
Census Block	3000
Census Tract	311151

Owner

Source: St. Charles County records, as of March 16, 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
Co-owner	Co-owner on Record
Mailing Address	54 GEORGETOWN CIR, O FALLON, MO 63368-8550
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 23, 2026	Deed of Trust, Mortgage · FHA Mortgage PROSPERITY HOME MORTGAGE LLC
May 14, 2021	Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Aug 10, 2023	Warranty Deed, Transfer · Conventional Mortgage PROSPERITY HOME MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 10, 2023 · Amount on Record
Deed Sale	Aug 10, 2023 · Amount on Record
Prior Sale	Jul 13, 2020
Deed Document Number	0202332207
Deed Book / Page	2023 / 32207
Record Updated	Jun 8, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	54 GEORGETOWN CIR, O FALLON, MO 63368-8550
Transaction Type	Mortgage
Record Updated	Feb 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	54 GEORGETOWN CIR, O FALLON, MO 63368-8550

Mortgage

Document Number	0000003515
Date	Jan 23, 2026
Instrument	2026R-003515

Lender

Name	PROSPERITY HOME MORTGAGE LLC
Type	Mortgage Company
Address	FAIRFAX, VA 22031

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	54 GEORGETOWN CIR, O FALLON, MO 63368-8550
Transaction Type	Mortgage
Record Updated	Jan 17, 2024
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	54 GEORGETOWN CIR, O FALLON, MO 63368-8550

Mortgage

Document Number	0000042356
Date	May 14, 2021
Instrument	2021R-042356

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2051

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Aug 10, 2023
Property Address	54 GEORGETOWN CIR, O FALLON, MO 63368-8550
Document Number	0000032207
Map Reference	MB 29 PG 93
Instrument Date	Aug 2, 2023
Instrument	2023R-032207
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	ATG

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	221 COACHMAN WAY, O FALLON, MO 63368-7314

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	54 GEORGETOWN CIR, O FALLON, MO 63368-8550

Mortgage

Document Number	0000032208
Date	Aug 10, 2023
Instrument	2023R-032208

Lender

Name	PROSPERITY HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of July 1, 2025

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
2025	$4,485.00 (+35.5%)	$68,760 (+8.19%)	$361,894 (+8.19%) Land $72,380 Building $289,514
2023		$63,556 (+35.86%)
2022	$3,310.00	$46,781	$334,503 (+35.86%) Land $55,000 Building $279,503
2021			$246,218 Land $44,000 Building $202,218

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 94% of the US · lower than 91% of Missouri
Wildfire Likelihood	0.03% 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	ST CHARLES COUNTY PWSD 2 serves 100,587 people · EPA ID MO6024530
Water Source	Purchased surface water from ST LOUIS CITY PWS
Last State Inspection	Aug 2023
Lead	2 ppb (2026) 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 38 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Gateway Fiber, i3 Broadband.

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