6401 Sprucefield Dr, O Fallon, MO 63368 Property Records

St. Charles County property record for 6401 Sprucefield Dr, O Fallon, MO 63368

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,618 sqft · built 1991
Lot Size	0.26 acres (11,326 sqft)
Owner	2 Individual Names on Record
Last Sale	$197,700 (Jan 2020)
Tax Bill	$2,971 (2025)
Deeds & Mortgages	Jun 2023 Mortgage Jun 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`A912000532`

Property Details

APN / Parcel Number

Primary APN	`A912000532`
Alternative APN	`2-0125-6677-00-0147.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,618 sqft Living Area
Gross Area	2,308 sqft
1st Floor Area	748 sqft
Basement Area	580 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,326 sqft (0.26 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	64 sqft
Deck Area	Deck Area
Patio Area	168 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	A912000532
Street Address	6401 SPRUCEFIELD DR
City	O FALLON
State	MO
Zip	63368-7845
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WHEATFIELD #3 LOT 147
Legal Subdivision	WHEATFIELD #3
Legal Lot Number	147
Jurisdiction	ST CHARLES MO
Township / Civil Division	DARDENNE
Census Block Group	3
Census Block	3004
Census Tract	311739

Owner

Source: St. Charles County records, as of July 13, 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 Record
Mailing Address	6401 SPRUCEFIELD DR, O FALLON, MO 63368-7845
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 9, 2023	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC
Jun 27, 2022	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF VETERANS AFFAIRS
Jan 8, 2020	Warranty Deed, Transfer · VA Mortgage FLAT BRANCH HOME LOANS INC
Sep 15, 2017	Deed of Trust, Mortgage DAS ACQUISITION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 8, 2020 · Amount on Record
Deed Sale	Jan 8, 2020 · Amount on Record
Prior Sale	Mar 7, 2007 · Amount on Record
Deed Document Number	202015260
Deed Book / Page	7213 / 360
Record Updated	Sep 20, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	6401 SPRUCEFIELD DR, O FALLON, MO 63368-7845
Transaction Type	Mortgage
Record Updated	Jun 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6401 SPRUCEFIELD DR, O FALLON, MO 63368-7845

Mortgage

Document Number	0000022252
Date	Jun 9, 2023
Instrument	2023R-022252

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2053

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	6401 SPRUCEFIELD DR, O FALLON, MO 63368-7845
Transaction Type	Mortgage
Record Updated	Oct 4, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6401 SPRUCEFIELD DR, O FALLON, MO 63368-7845

Mortgage

Document Number	0000035565
Date	Jun 27, 2022
Instrument	2022R-035565

Lender

Name	DEPARTMENT OF VETERANS AFFAIRS
Type	Government Agency
Address	NASHVILLE, TN 37203

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	414 Months
Due	Dec 1, 2056

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jan 8, 2020
Property Address	6401 SPRUCEFIELD DR, O FALLON, MO 63368-7845
Document Number	0000015260
Book / Page	7213 / 0360
Map Reference	MB 30 PG 130
Instrument Date	Jan 2, 2020
Instrument	20200108000015260
Transaction Type	Transfer
Record Updated	Oct 4, 2022
Title Company	TITLE PARTNERS AGENCY LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6401 SPRUCEFIELD DR, O FALLON, MO 63368-7845

Mortgage

Document Number	0000015270
Date	Jan 8, 2020
Instrument	20200108000015270

Lender

Name	FLAT BRANCH HOME LOANS INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2050

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	6401 SPRUCEFIELD DR, O FALLON, MO 63368-7845
Document Number	0068100822
Book / Page	006810 / 000822
Instrument Date	Sep 15, 2017
Transaction Type	Mortgage
Record Updated	Sep 27, 2017
Title Company	NETCO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	6401 SPRUCEFIELD DR O FALLON MO 633687845, O FALLON, MO 63368-7845

Mortgage

Document Number	0068100822
Date	Sep 20, 2017
Book Page	006810/000822
Instrument	591360

Lender

Name	DAS ACQUISITION
Address	SAINT LOUIS, MO 63141

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Sep 19, 2032

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of August 13, 2025

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
2025	$2,971.00	$45,328 (+0.97%)	$238,570 (+0.97%) Land $55,000 Building $183,570
2023		$44,892
2022			$236,272 Land $45,000 Building $191,272

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 · 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 Policies	1 in force

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

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

Wildfire Risk	Not rated no burnable land within 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 355 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
i3 Broadband Fiber	8,000 / 8,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Brightspeed, Verizon.

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