612 Topaz Dr, O Fallon, MO 63366 Property Records

St. Charles County property record for 612 Topaz Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,660 sqft · built 1998
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on File
Last Sale	$300,000 (Sep 2022)
Tax Bill	$3,697 (2025)
Deeds & Mortgages	Aug 2023 Transfer Oct 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T990300083`

Property Details

APN / Parcel Number

Primary APN	`T990300083`
Alternative APN	`2-0051-8026-00-0098.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,660 sqft Living Area
Gross Area	2,934 sqft
1st Floor Area	892 sqft
Basement Area	810 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Lot Area	8,712 sqft (0.2 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	464 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Deck Area	Deck Area
Patio Area	168 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T990300083
Street Address	612 TOPAZ DR
City	O FALLON
State	MO
Zip	63366-7905
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DIAMOND POINTE #2 LOT 98
Legal Subdivision	DIAMOND PT #2
Legal Lot Number	98
Jurisdiction	ST CHARLES MO
Township / Civil Division	O'FALLON
Census Block Group	4
Census Block	4003
Census Tract	311602

Owner

612 Topaz Dr is owned and occupied by two individuals who acquired it in August 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	612 TOPAZ DR, O FALLON, MO 63366-7905
Occupancy	Owner Occupied
Owner Type	Individual

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
Aug 25, 2023	Intrafamily Transfer, Transfer
Oct 2, 2020	Deed of Trust, Mortgage · FHA Mortgage STIFEL BANK & TRUST
Sep 27, 2022	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 27, 2022 · Amount on File
Deed Sale	Sep 27, 2022 · Amount on File
Prior Sale	Jan 3, 2017 · Amount on File
Deed Document Number	202253101
Last Transfer Date	Aug 17, 2023
Transfer Doc	0000034487
Record Updated	Oct 29, 2026

August 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Aug 25, 2023
Property Address	612 TOPAZ DR, O FALLON, MO 63366-7905
Document Number	0000034487
Map Reference	MB 35 PG 131&132
Instrument Date	Aug 17, 2023
Instrument	2023R-034487
Transaction Type	Transfer
Record Updated	Jan 17, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	612 TOPAZ DR, O FALLON, MO 63366-7905

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	612 TOPAZ DR, O FALLON, MO 63366-7905

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	612 TOPAZ DR, O FALLON, MO 63366-7905
Transaction Type	Mortgage
Record Updated	Oct 4, 2022
Title Company	OLD REPUBLIC TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	612 TOPAZ DR, O FALLON, MO 63366-7905

Mortgage

Document Number	0000073947
Date	Oct 2, 2020
Instrument	2020R-073947

Lender

Name	STIFEL BANK & TRUST
Type	Bank
Address	SAINT LOUIS, MO 63141

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2050

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Sep 27, 2022
Property Address	612 TOPAZ DR, O FALLON, MO 63366-7905
Document Number	0000053101
Map Reference	MB 35 PG 131-132
Instrument Date	Sep 16, 2022
Instrument	2022R-053101
Transaction Type	Transfer
Record Updated	Jan 17, 2024

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	926 CRESTLAND DR, BALLWIN, MO 63011-3110

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	612 TOPAZ DR, O FALLON, MO 63366-7905

Mortgage

Document Number	0000053102
Date	Sep 27, 2022
Instrument	2022R-053102

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 612 Topaz Dr was $3,697, up 7.8% 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	Fort Zumwalt R-II School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$57,501 (-)	$302,639 (-) Land $60,000 Building $242,639
2025	$3,697.00 (+7.82%)	$57,501	$302,639 Land $60,000 Building $242,639
2024	$3,429.00
2023		$51,762
2022			$272,433 Land $50,000 Building $222,433

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 Topaz Dr in Zone X, an area of minimal flood risk.

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

Wildfire risk around 612 Topaz Dr is low, with less than a 0.01% annual chance of 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	OFALLON PWS serves 32,515 people · EPA ID MO6010588
Water Source	Purchased surface water from several systems
Last State Inspection	Aug 2024
Lead	2 ppb (2023–2025) 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 280 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Gateway Fiber Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Wisper ISP.

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