6 Cottage Dr, O Fallon, MO 63366 Property Records

St. Charles County property record for 6 Cottage Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,748 sqft · built 1973
Lot Size	0.27 acres (11,775 sqft)
Owner	Individual Name on Record
Last Sale	$128,900 (Sep 2017)
Tax Bill	$2,851 (2025)
Deeds & Mortgages	Sep 2019 Mortgage Sep 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`796350A000`

Property Details

APN / Parcel Number

Primary APN	`796350A000`
Alternative APN	`4-0053-4372-09-0002.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,748 sqft Living Area
1st Floor Area	1,148 sqft
Basement Area	600 sqft
Finished Basement	600 sqft

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Architectural Style	Split Level
Exterior Material	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,775 sqft (0.27 acres)
Lot Dimensions	157 ft deep x 75 ft wide
Garage Type	Carport
Garage Area	325 sqft
Carport	Carport
Carport Area	325 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	24 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	796350A000
Street Address	6 COTTAGE DR
City	O FALLON
State	MO
Zip	63366-3408
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	OFALLON HILLS BLK 9 LOT 2
Legal Subdivision	OFALLON HILLS
Legal Block	9
Legal Lot Number	2
Jurisdiction	ST CHARLES MO
Township / Civil Division	LAKE ST. LOUIS
Census Block Group	1
Census Block	1009
Census Tract	311907

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	Individual Name on Record
Mailing Address	6 COTTAGE DR, O FALLON, MO 63366-3408
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 10, 2019	Deed of Trust, Mortgage · ARM FIRST COMMUNITY CU
Sep 28, 2017	Intrafamily Transfer, Transfer · Conventional Mortgage DITECH FINANCIAL LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 28, 2017 · Amount on Record
Deed Sale	Sep 28, 2017 · Amount on Record
Prior Sale	Oct 12, 2006 · Amount on Record
Deed Document Number	2017609100
Deed Book / Page	6814 / 1554
Prior Transfer Date	Nov 14, 2005
Prior Transfer Doc	0043482026
Record Updated	Oct 29, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	6 COTTAGE DR, O FALLON, MO 63366-3408
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0071390530
Date	Sep 10, 2019
Book Page	7139/0530
Instrument	20190910000489500

Lender

Name	FIRST COMMUNITY CU
Type	Credit Union
Address	CHESTERFIELD, MO 63005

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Type Change Date	Oct 1, 2024
Change Frequency	Annually
Min Rate At Change	2%
Max Rate At Change	5.75%
Index	5-Year CMT
Margin	2
Max Rate	9.75%

September 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Sep 28, 2017
Property Address	6 COTTAGE DR, O FALLON, MO 63366-3408
Document Number	0068141554
Book / Page	6814 / 1554
Map Reference	MB 6 PG 82
Instrument Date	Jul 20, 2017
Instrument	20170928000609100
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	SERVICELINK

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6 COTTAGE CIR, O FALLON, MO 63366-3408

Mortgage

Document Number	20170928000609110
Date	Sep 28, 2017
Instrument	20170928000609110

Lender

Name	DITECH FINANCIAL LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2047

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of August 7, 2026

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Unified School District	Wentzville R-IV School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$44,493 (-)	$234,175 (-) Land $55,000 Building $179,175
2025	$2,851.00 (+8.69%)	$44,493 (+11.84%)	$234,175 (+11.84%) Land $55,000 Building $179,175
2024	$2,623.00
2023		$39,784
2022			$209,388 Land $44,000 Building $165,388

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
Nearby Flood Claims	2 (1982–1983)
Most Recent Claim	Apr 1983 · rainfall accumulation

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 96% of the US · lower than 94% 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	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 419 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: i3 Broadband.

Nearby Properties on Cottage Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures