540 Deer Brook Dr, O Fallon, MO 63366 Property Records

St. Charles County property record for 540 Deer Brook Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,953 sqft · built 2016
Lot Size	0.23 acres (10,001 sqft)
Owner	2 Individual Names on Record
Last Sale	$744,800 (Apr 2026)
Tax Bill	$5,924 (2025)
Deeds & Mortgages	Mar 2026 Line of Credit Apr 2021 Mortgage + 6 more
Flood Zone	Zone X (minimal risk)
APN	`T160300050`

Property Details

APN / Parcel Number

Primary APN	`T160300050`
Alternative APN	`2-0049-C290-00-0469.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,953 sqft Living Area
Gross Area	5,099 sqft
1st Floor Area	1,819 sqft
Basement Area	1,422 sqft

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Architectural Style	Bi-Level
Exterior Material	Brick/Stone
Lot Area	10,001 sqft (0.23 acres)
Garage Type	Attached
Garage Area	724 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	T160300050
Street Address	540 DEER BROOK DR
City	O FALLON
State	MO
Zip	63366-5048
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BROOKSIDE VLG B #2-B LOT 469
Legal Subdivision	BROOKSIDE VLG B #2-B
Legal Lot Number	469
Jurisdiction	ST CHARLES MO
Township / Civil Division	WENTZVILLE
Census Block Group	2
Census Block	2017
Census Tract	312095

Owner

Source: St. Charles County records, as of April 28, 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	540 DEER BROOK DR, O FALLON, MO 63366-5048
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Mar 20, 2026	Deed of Trust, Mortgage · Line of Credit STIFEL BANK & TRUST
Apr 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST HORIZON BANK
Apr 14, 2026	Deed, Transfer · Conventional Mortgage THIRD FEDERAL SAVINGS AND LOANS ASSOCIATION
Apr 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST HORIZON BANK
Nov 6, 2019	Deed of Trust, Mortgage · Conventional Mortgage HOMESITE MORTGAGE LLC
Aug 28, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Aug 4, 2020	Warranty Deed, Transfer · Conventional Mortgage IBERIABANK
Feb 1, 2017	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage IBERIABANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 14, 2026 · Amount on Record
Deed Sale	Apr 14, 2026 · Amount on Record
Prior Sale	Aug 4, 2020 · Amount on Record
Deed Document Number	202617169
Prior Transfer Date	Aug 26, 2020
Prior Transfer Doc	0073832298
Record Updated	Sep 20, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	540 DEER BROOK DR, O FALLON, MO 63366-5048
Transaction Type	Mortgage
Record Updated	May 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	540 DEER BROOK DR, O FALLON, MO 63366-5048

Mortgage

Document Number	0000012944
Date	Mar 20, 2026
Instrument	2026R-012944

Lender

Name	STIFEL BANK & TRUST
Type	Bank
Address	SAINT LOUIS, MO 63141

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	133 Months
Due	Apr 15, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	540 DEER BROOK DR, O FALLON, MO 63366-5048
Transaction Type	Mortgage
Record Updated	May 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	540 DEER BROOK DR, O FALLON, MO 63366-5048

Mortgage

Document Number	0000029536
Date	Apr 5, 2021
Instrument	2021R-029536

Lender

Name	FIRST HORIZON BANK
Type	Bank
Address	MEMPHIS, TN 38103

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Apr 1, 2041

April 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	ST CHARLES MO
Recording Date	Apr 14, 2026
Property Address	540 DEER BROOK DR, O FALLON, MO 63366-5048
Document Number	0000017169
Instrument Date	Apr 9, 2026
Instrument	202617169
Transaction Type	Transfer
Record Updated	Aug 6, 2026
Title Company	CONTINENTAL, CONTINENTAL TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	540 DEER BROOK DR, O FALLON, MO 63366-5048
Investor	Possibly a Property Investor

Mortgage

Document Number	0000017170,
Date	Apr 14, 2026
Instrument	202617170

Lender

Name	THIRD FEDERAL SAVINGS AND LOANS ASSOCIATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	5.98%
Initial Type	Fixed Rate
Max Rate	-1%

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	540 DEER BROOK DR, O FALLON, MO 63366-5048
Transaction Type	Mortgage
Record Updated	Apr 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	540 DEER BROOK DR, O FALLON, MO 63366-5048

Mortgage

Document Number	2021R029536
Date	Apr 5, 2021
Instrument	2021R-029536

Lender

Name	FIRST HORIZON BANK
Type	Bank
Address	MEMPHIS, TN 38103

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Apr 1, 2041

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	540 DEER BROOK DR, O FALLON, MO 63366-5048
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	RAVENSWOOD TITLE COMPANY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0071772095
Date	Nov 6, 2019
Book Page	7177/2095
Instrument	20191106000636550

Lender

Name	HOMESITE MORTGAGE LLC
Type	Mortgage Company
Address	UTICA, MI 48315

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2049

August 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CHARLES MO
Recording Date	Aug 28, 2020
Property Address	540 DEER BROOK DR, O FALLON, MO 63366-5048
Document Number	0073832298
Book / Page	007383 / 002298
Instrument Date	Aug 26, 2020
Instrument	629900
Transaction Type	Transfer
Record Updated	Oct 16, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	540 DEER BROOK DR O FALLON MO 633665048, O FALLON, MO 63366-5048

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Aug 4, 2020
Property Address	540 DEER BROOK DR, O FALLON, MO 63366-5048
Document Number	0073630001
Book / Page	7363 / 1
Map Reference	MB 48 PG 233
Instrument Date	Jul 31, 2020
Instrument	20200804000555010
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	STELLAR TITLE AGENCY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	209 WYNDHARBOR CT, 209, WENTZVILLE, MO 63385-6647

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	540 DEER BROOK DR, O FALLON, MO 63366-5048

Mortgage

Document Number	20200804000555020
Date	Aug 4, 2020
Instrument	20200804000555020

Lender

Name	IBERIABANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2050

February 2017: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Feb 1, 2017
Property Address	540 DEER BROOK DR, O FALLON, MO 63366-5048
Document Number	0066940210
Book / Page	6694 / 0210
Map Reference	MB 48 PG 233
Instrument Date	Jan 31, 2017
Instrument	20170201000070000
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 9, 2021
Title Company	CONTINENTAL TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2299 TECHNOLOGY DR STE 150, 2299, O FALLON, MO 63368-7343

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	540 DEER BROOK DR, O FALLON, MO 63366-5048

Mortgage

Document Number	20170201000070010
Date	Feb 1, 2017
Instrument	20170201000070010

Lender

Name	IBERIABANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2047

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of August 13, 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	$5,924.00 (+7.44%)	$95,217 (+10.68%)	$501,141 (+10.68%) Land $70,000 Building $431,141
2024	$5,514.00
2023		$86,026
2022			$452,770 Land $50,000 Building $402,770

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	2 (2019–2022)
Most Recent Claim	Jul 2022 · Severe Storms And Flooding

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 80% of the US · lower than 84% of Missouri
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 337 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Brightspeed Fiber	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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