608 Orchid Dr, O Fallon, MO 63366 Property Records

St. Charles County property record for 608 Orchid Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 6,045 sqft · built 2007
Lot Size	0.26 acres (11,326 sqft)
Owner	2 Individual Names on Record
Last Sale	$437,500 (Jan 2018)
Tax Bill	$8,144 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Aug 2021 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`T062400243`

Property Details

APN / Parcel Number

Primary APN	`T062400243`
Alternative APN	`2-0057-9739-00-0058.0000000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	6,045 sqft Living Area
Gross Area	6,943 sqft
1st Floor Area	2,360 sqft
Basement Area	2,360 sqft
Finished Basement	2,124 sqft
Unfinished Basement	236 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Bi-Level
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	Porch
Patio Area	195 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T062400243
Street Address	608 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 58
Legal Subdivision	MAGNOLIA VLG C
Legal Lot Number	58
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 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	608 ORCHID DR, O FALLON, MO 63366-7743
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 11, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED COMMUNITY BANK
Aug 17, 2021	Deed of Trust, Mortgage · Line of Credit UNITED COMMUNITY BANK
Sep 25, 2025	Beneficiary Deed, Transfer
Jan 8, 2018	Warranty Deed, Transfer · Conventional Mortgage CORNERSTONE MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 8, 2018 · Amount on Record
Deed Sale	Jan 8, 2018 · Amount on Record
Prior Sale	Sep 22, 2015 · Amount on Record
Deed Document Number	201813690
Deed Book / Page	6864 / 681
Prior Transfer Date	Oct 23, 2014
Prior Transfer Doc	0000601710
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	608 ORCHID DR, O FALLON, MO 63366-7743
Transaction Type	Mortgage
Record Updated	Oct 9, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	608 N MAIN ST, CHATHAM, IL 62629

Mortgage

Document Number	0000012840
Date	Feb 11, 2021
Instrument	2021R-012840

Lender

Name	UNITED COMMUNITY BANK
Type	Bank
Address	SPRINGFIELD, IL 62701

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Mar 1, 2036

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	608 ORCHID DR, O FALLON, MO 63366-7743
Transaction Type	Mortgage
Record Updated	Oct 9, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	608 ORCHID DR, O FALLON, MO 63366-7743

Mortgage

Document Number	0000069106
Date	Aug 17, 2021
Instrument	2021R-069106

Lender

Name	UNITED COMMUNITY BANK
Type	Bank
Address	GODFREY, IL 62035

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2025: Beneficiary Deed, Transfer

Document Type	Beneficiary Deed
Jurisdiction	ST CHARLES MO
Recording Date	Sep 25, 2025
Property Address	608 ORCHID DR, O FALLON, MO 63366-7743
Document Number	0000042504
Map Reference	MB 41 PG 348
Instrument Date	Sep 22, 2025
Instrument	2025R-042504
Transaction Type	Transfer
Record Updated	Oct 9, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	608 ORCHID DR, O FALLON, MO 63366-7743

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jan 8, 2018
Property Address	608 ORCHID DR, O FALLON, MO 63366-7743
Document Number	0000013690
Book / Page	6864 / 0681
Map Reference	MB 41 PG 348
Instrument Date	Oct 11, 2017
Instrument	20180108000013690
Transaction Type	Transfer
Record Updated	Aug 16, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	608 ORCHID DR, O FALLON, MO 63366-7743

Mortgage

Document Number	0000013700
Date	Jan 8, 2018
Instrument	20180108000013700

Lender

Name	CORNERSTONE MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2048

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		$127,458 (-)	$670,832 (-) Building $670,832
2025	$8,144.00	$127,458 (+3.24%)	$670,832 (+3.24%)
2023		$123,457
2022			$649,772 Building $649,772

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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