558 Topaz Dr, O Fallon, MO 63366 Property Records

St. Charles County property record for 558 Topaz Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,046 sqft · built 2000
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on Record
Last Sale	$174,000 (Jan 2004)
Tax Bill	$4,217 (2025)
Deeds & Mortgages	Aug 2023 Mortgage Aug 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`T990300281`

Property Details

APN / Parcel Number

Primary APN	`T990300281`
Alternative APN	`2-0051-8062-00-0088.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,046 sqft Living Area
Gross Area	3,454 sqft
1st Floor Area	1,038 sqft
Basement Area	1,008 sqft

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	60 sqft
Deck Area	Deck Area
Patio Area	336 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T990300281
Street Address	558 TOPAZ DR
City	O FALLON
State	MO
Zip	63366-7902
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DIAMOND POINTE #3 LOT 88
Legal Subdivision	DIAMOND PT #3
Legal Lot Number	88
Jurisdiction	ST CHARLES MO
Township / Civil Division	O'FALLON
Census Block Group	4
Census Block	4003
Census Tract	311602

Owner

Source: St. Charles County records, as of August 7, 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	558 TOPAZ DR, O FALLON, MO 63366-7902
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 4, 2023	Deed of Trust, Mortgage VANTAGE CU
Aug 15, 2017	Deed of Trust, Mortgage VANTAGE CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 27, 2004 · Amount on Record
Deed Sale	Jan 27, 2004 · Amount on Record
Prior Sale	Jan 16, 2001 · Amount on Record
Deed Document Number	200477410
Deed Book / Page	3768 / 1647
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	558 TOPAZ DR, O FALLON, MO 63366-7902
Transaction Type	Mortgage
Record Updated	Aug 18, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	558 TOPAZ DR, O FALLON, MO 63366-7902

Mortgage

Document Number	0000031234
Date	Aug 4, 2023
Instrument	2023R-031234

Lender

Name	VANTAGE CU
Type	Credit Union
Address	SAINT CHARLES, MO 63304

Agreement

Amount	Amount Recorded
Term	179 Months
Due	Jul 26, 2038

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	558 TOPAZ DR, O FALLON, MO 63366-7902
Transaction Type	Mortgage
Record Updated	Oct 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000511890
Date	Aug 15, 2017
Book Page	6791/1239
Instrument	20170815000511890

Lender

Name	VANTAGE CU
Type	Credit Union
Address	BRIDGETON, MO 63044

Agreement

Amount	Amount Recorded
Term	119 Months
Due	Jul 25, 2027

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		$65,682 (-)	$345,697 (-) Land $60,000 Building $285,697
2025	$4,217.00	$65,682 (+10.87%)	$345,697 (+10.87%) Land $60,000 Building $285,697
2023		$59,243
2022			$311,803 Land $50,000 Building $261,803

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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