6 Cog Mill Ct, O Fallon, MO 63368 Property Records

St. Charles County property record for 6 Cog Mill Ct, O Fallon, MO 63368

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,597 sqft · built 1999
Lot Size	0.3 acres (13,068 sqft)
Owner	2 Individual Names on Record
Last Sale	$201,000 (Nov 1999)
Deeds & Mortgages	Apr 2018 Mortgage Nov 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`T001600163`

Property Details

APN / Parcel Number

Primary APN	`T001600163`
Alternative APN	`2-0129-8146-00-1219.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,597 sqft Living Area
Gross Area	4,388 sqft
1st Floor Area	1,376 sqft
Basement Area	1,302 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Lot Area	13,068 sqft (0.3 acres)
Garage Type	Attached
Garage Area	489 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	260 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T001600163
Street Address	6 COG MILL CT
City	O FALLON
State	MO
Zip	63368-7189
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VLGS AT DARDENNE PRAIRIE VILLAS #3 UNIT 1219
Legal Subdivision	VLGS AT DARDENNE PRAIRIE VILLAS #3
Legal Lot Number	1219
Jurisdiction	ST CHARLES MO
Township / Civil Division	WELDON SPRING
Census Block Group	1
Census Block	1013
Census Tract	311152

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	6 COG MILL CT, O FALLON, MO 63368-7189
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 5, 2018	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
Nov 20, 2020	Deed of Trust, Mortgage HOME LOAN EXPERT LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 4, 1999 · Amount on Record
Deed Sale	Nov 4, 1999 · Amount on Record
Deed Document Number	199989193
Deed Book / Page	2327 / 85
Record Updated	Sep 20, 2026

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	6 COG MILL CT, O FALLON, MO 63368-7189
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	BOSTON NATIONAL TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0069010288
Date	Apr 5, 2018
Book Page	6901/0288
Instrument	20180405000181380

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	May 1, 2033

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	6 COG MILL CT, O FALLON, MO 63368-7189
Document Number	0000092110
Instrument Date	Nov 20, 2020
Transaction Type	Mortgage
Record Updated	Mar 1, 2021
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	6 COG MILL CT O FALLON MO 633687189, O FALLON, MO 63368-7189

Mortgage

Document Number	0000092110
Date	Nov 25, 2020
Instrument	92110

Lender

Name	HOME LOAN EXPERT LLC
Address	SAINT LOUIS, MO 63144

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Nov 24, 2035

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	Assessed Value	Assessed Market Value
2026	$87,506 (+5.59%)	$460,557 (+5.59%) Land $90,000 Building $370,557
2023	$82,876
2022		$436,189 Land $60,000 Building $376,189

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (2008)
Most Recent Claim	Sep 2008 · Severe Storms, Flooding, And A Tornado

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 99.1% of the US · lower than 98.2% of Missouri
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 200 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Gateway Fiber Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: i3 Broadband, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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