602 Orchid Dr, O Fallon, MO 63366 Property Records

St. Charles County property record for 602 Orchid Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 4,014 sqft · built 2008
Lot Size	0.26 acres (11,326 sqft)
Owner	2 Individual Names on File
Last Sale	$630,000 (Nov 2024)
Tax Bill	$7,961 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Jan 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`T062400245`

Property Details

APN / Parcel Number

Primary APN	`T062400245`
Alternative APN	`2-0057-9739-00-0060.0000000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	4,014 sqft Living Area
Gross Area	7,102 sqft
1st Floor Area	4,014 sqft
Basement Area	2,426 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Architectural Style	Ranch
Exterior Material	Brick/Stone
Lot Area	11,326 sqft (0.26 acres)
Garage Type	Attached
Garage Area	662 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	116 sqft
Patio Area	256 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T062400245
Street Address	602 ORCHID DR
City	O FALLON
State	MO
Zip	63366-7743
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MAGNOLIA VLG C LOT 60
Legal Subdivision	MAGNOLIA VLG C
Legal Lot Number	60
Jurisdiction	ST CHARLES MO
Township / Civil Division	LAKE ST. LOUIS
Census Block Group	3
Census Block	3014
Census Tract	311712

Owner

Source: St. Charles County records, as of September 10, 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	602 ORCHID DR, O FALLON, MO 63366-7743
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Aug 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage HOMESIDE FINANCIAL LLC
Jan 31, 2018	Warranty Deed, Transfer · VA Mortgage CARTUS HM LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 25, 2024 · Amount on File
Deed Sale	Nov 25, 2024 · Amount on File
Prior Sale	Jan 31, 2018 · Amount on File
Deed Document Number	202449395
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	602 ORCHID DR, O FALLON, MO 63366-7743
Transaction Type	Mortgage
Record Updated	Aug 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	602 ORCHID DR, O FALLON, MO 63366-7743

Mortgage

Document Number	0000068654
Date	Aug 16, 2021
Instrument	2021R-068654

Lender

Name	HOMESIDE FINANCIAL LLC
Type	Mortgage Company
Address	COLUMBIA, MD 21046

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2051

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jan 31, 2018
Property Address	602 ORCHID DR, O FALLON, MO 63366-7743
Document Number	0068731537
Book / Page	006873 / 001537
Instrument Date	Jan 25, 2018
Instrument	57200
Transaction Type	Transfer
Record Updated	Mar 6, 2018
Title Company	US TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	602 ORCHID DR O FALLON MO 633667743, O FALLON, MO 63366-7743

Mortgage

Document Number	68731539
Date	Jan 31, 2018
Book Page	006873/001539
Instrument	57210

Lender

Name	CARTUS HM LNS
Type	Funding / Finance Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 30, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.11%

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		$124,578 (-)	$655,675 (-) Building $655,675
2025	$7,961.00	$124,578 (+3.28%)	$655,675 (+3.28%)
2023		$120,617
2022			$634,827 Building $634,827

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

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Brightspeed Fiber	940 / 940
Wisper ISP Fixed Wireless	400 / 30
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Gateway Fiber.

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