600 Lazy River Ct, O Fallon, MO 63366 Property Records

St. Charles County property record for 600 Lazy River Ct, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,028 sqft · built 2015
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on File
Last Sale	$378,000 (Dec 2025)
Tax Bill	$3,441 (2025)
Deeds & Mortgages	Mar 2022 Line of Credit Sep 2025 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T080300052`

Property Details

APN / Parcel Number

Primary APN	`T080300052`
Alternative APN	`2-0087-A341-00-0091.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	2,028 sqft Living Area
Gross Area	2,922 sqft
1st Floor Area	814 sqft
Basement Area	814 sqft

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T080300052
Street Address	600 LAZY RIVER CT
City	O FALLON
State	MO
Zip	63366-1547
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RIVERDALE VLG A #2 LOT 91
Legal Subdivision	RIVERDALE VLG A #2
Legal Lot Number	91
Jurisdiction	ST CHARLES MO
Township / Civil Division	WENTZVILLE
Census Block Group	2
Census Block	2005
Census Tract	312001

Owner

600 Lazy River Ct is owned and occupied by two individuals who bought it in December 2025.

Source: St. Charles County records, as of September 14, 2026

Owner of Record	2 Individual Names on File
Mailing Address	600 LAZY RIVER CT, O FALLON, MO 63366-1547
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 21, 2022	Deed of Trust, Mortgage · Line of Credit PRAIRIE STATE BANK & TRUST
Sep 3, 2025	Deed of Trust, Mortgage · Non-Conforming Investor Loan PRAIRIE STATE BANK & TRUST
Dec 30, 2025	Warranty Deed, Transfer · Conventional Mortgage SUN WEST MORTGAGE COMPANY INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 30, 2025 · Amount on File
Deed Sale	Dec 30, 2025 · Amount on File
Prior Sale	Nov 12, 2015 · Amount on File
Deed Document Number	202558553
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	600 LAZY RIVER CT, O FALLON, MO 63366-1547
Transaction Type	Mortgage
Record Updated	Jan 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	600 LAZY RIVER CT, O FALLON, MO 63366-1547

Mortgage

Document Number	0000016202
Date	Mar 21, 2022
Instrument	2022R-016202

Lender

Name	PRAIRIE STATE BANK & TRUST
Type	Bank
Address	JACKSONVILLE, IL 62650

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	Mar 18, 2023

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	600 LAZY RIVER CT, O FALLON, MO 63366-1547
Transaction Type	Mortgage
Record Updated	Jan 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000038428
Date	Sep 3, 2025
Instrument	2025R-038428

Lender

Name	PRAIRIE STATE BANK & TRUST
Type	Bank
Address	JACKSONVILLE, IL 62650

Agreement

Type	Non-Conforming Investor Loan
Amount	Amount on Record
Term	11 Months
Due	Aug 27, 2026

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Dec 30, 2025
Property Address	600 LAZY RIVER CT, O FALLON, MO 63366-1547
Document Number	0000058553
Map Reference	MB 44 PG 261
Instrument Date	Dec 29, 2025
Instrument	2025R-058553
Transaction Type	Transfer
Record Updated	Jan 14, 2026
Title Company	TOUCHSTONE TITLE AND ABSTRACT, TOUCHSTONE TITLE & ABSTRACT

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1305 VILLAGE VIEW CT, O FALLON, MO 63366-4623

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	600 LAZY RIVER CT, O FALLON, MO 63366-1547

Mortgage

Document Number	0000058554
Date	Dec 30, 2025
Instrument	2025R-058554

Lender

Name	SUN WEST MORTGAGE COMPANY INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2056

Tax Assessment & Valuation

The 2025 property tax bill for 600 Lazy River Ct was $3,441.

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

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Municipality	St. Paul 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		$55,987 (-)	$294,669 (-) Land $70,000 Building $224,669
2025	$3,441.00	$55,987	$294,669 Land $70,000 Building $224,669
2023		$53,037
2022			$279,142 Land $55,000 Building $224,142

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

FEMA maps place 600 Lazy River Ct in Zone X, an area of minimal flood risk, though there have been 25 flood claims nearby since 1982.

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 6 (20% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	25 (1982–2015)
Claims Outside the SFHA	1 of 25
Most Recent Claim	Jun 2015 · river or lake flooding
Claims by Event	Severe Storms, Tornadoes, Flooding, Apr 1994 · 3 claims Severe Storms & Flooding, Sep 1993 · 8 claims

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

Wildfire risk around 600 Lazy River Ct is low, with a 0.02% annual chance of 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	0.02% 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 PAUL PWS serves 1,700 people · EPA ID MO6011535
Water Source	Groundwater
Last State Inspection	Aug 2024
Lead	Under 1 ppb (2022–2024) 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 185 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
Brightspeed Fiber	940 / 940
T-Mobile Fixed Wireless	100 / 20

May also be available: Wisper ISP.

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