612 Thornridge Dr, O Fallon, MO 63368 Property Records

St. Charles County property record for 612 Thornridge Dr, O Fallon, MO 63368

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 3,700 sqft · built 2000
Lot Size	0.17 acres (7,405 sqft)
Owner	Individual Name on File
Last Sale	$475,000 (Nov 2025)
Tax Bill	$5,767 (2025)
Deeds & Mortgages	Nov 2025 Mortgage Jul 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`T001700528`

Property Details

APN / Parcel Number

Primary APN	`T001700528`
Alternative APN	`4-0036-8337-00-0339.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	3,700 sqft Living Area
Gross Area	4,301 sqft
1st Floor Area	1,391 sqft
Basement Area	1,239 sqft

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Bi-Level
Exterior Material	Brick/Stone
Lot Area	7,405 sqft (0.17 acres)
Garage Type	Attached
Garage Area	432 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Deck Area	Deck Area
Patio Area	533 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T001700528
Street Address	612 THORNRIDGE DR
City	O FALLON
State	MO
Zip	63368-3797
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HAWTHORNE VLG LOT 339
Legal Subdivision	HAWTHORNE VLG
Legal Lot Number	339
Jurisdiction	ST CHARLES MO
Township / Civil Division	BOONE
Census Block Group	1
Census Block	1001
Census Tract	311153

Owner

612 Thornridge Dr is owned and occupied by an individual who bought it in November 2025.

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

Owner of Record	Individual Name on File
Mailing Address	612 THORNRIDGE DR, O FALLON, MO 63368-3797
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married

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
Nov 25, 2025	Warranty Deed, Transfer · Conventional Mortgage STIFEL BANK & TRUST
Jul 7, 2020	Deed of Trust, Mortgage GUILD MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 25, 2025 · Amount on File
Deed Sale	Nov 25, 2025 · Amount on File
Prior Sale	Nov 25, 2025 · Amount on File
Deed Document Number	202553021
Prior Transfer Date	Oct 13, 2025
Prior Transfer Doc	0000053021
Record Updated	Oct 29, 2026

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Nov 25, 2025
Property Address	612 THORNRIDGE DR, O FALLON, MO 63368-3797
Document Number	0000053020
Map Reference	MB 36 PG 194
Instrument Date	Nov 19, 2025
Instrument	2025R-053020
Transaction Type	Transfer
Record Updated	Dec 10, 2025
Title Company	DUNE TITLE COMPANY LLC, TRUE TITLE COMPANY LLC

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	119 WESTLEIGH MANOR DRIVE, WENTZVILLE, MO 63385-6614

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	119 WESLEIGH MANOR DRIVE, O FALLON, MO 63368

Mortgage

Document Number	0000053022
Date	Nov 25, 2025
Instrument	2025R-053022

Lender

Name	STIFEL BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.87%
Type Change Date	Dec 1, 2032
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	10.8%
Index	SOFR Average 30-Day
Margin	3
Max Rate	10.8%

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	612 THORNRIDGE DR, O FALLON, MO 63368-3797
Document Number	0073471952
Instrument Date	Jul 7, 2020
Transaction Type	Mortgage
Record Updated	Sep 1, 2020
Title Company	INVESTORS TITLE COMPANY, INVESTORS TITLE CO.

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	612 THORNRIDGE DR O FALLON MO 633683797, O FALLON, MO 63368-3797

Mortgage

Document Number	0073471952
Date	Jul 17, 2020
Book Page	007347/001952
Instrument	501510

Lender

Name	GUILD MTG
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Amount	Amount on Record
Term	300 Months
Due	Jul 16, 2045

Tax Assessment & Valuation

The 2025 property tax bill for 612 Thornridge Dr was $5,767, up 6.4% from the year before.

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	Wentzville R-IV School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$86,911 (-)	$457,426 (+%) Land $117,328 Building $340,098
2025	$5,767.00 (+6.36%)	$86,911	$457,425 Building $457,425
2024	$5,422.00
2023		$79,358
2022			$417,674 Land $95,329 Building $322,345

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 612 Thornridge Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2006.

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 (2006–2008)
Claims Outside the SFHA	2 of 2
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

Wildfire risk around 612 Thornridge Dr is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 92% of Missouri
Wildfire Likelihood	0.03% 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 292 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
i3 Broadband Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30

May also be available: Gateway Fiber, T-Mobile, Verizon.

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