6405 Sprucefield Dr, O Fallon, MO 63368 Property Records

St. Charles County property record for 6405 Sprucefield Dr, O Fallon, MO 63368

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,630 sqft · built 1991
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on File
Last Sale	$303,000 (Sep 2024)
Tax Bill	$2,904 (2025)
Deeds & Mortgages	Sep 2024 Second Mortgage May 2024 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`A912000533`

Property Details

APN / Parcel Number

Primary APN	`A912000533`
Alternative APN	`2-0125-6677-00-0148.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,630 sqft Living Area
Gross Area	2,280 sqft
1st Floor Area	720 sqft
Basement Area	580 sqft
Finished Basement	330 sqft
Unfinished Basement	250 sqft

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	10,019 sqft (0.23 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	64 sqft
Deck Area	Deck Area
Patio Area	224 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A912000533
Street Address	6405 SPRUCEFIELD DR
City	O FALLON
State	MO
Zip	63368-7845
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WHEATFIELD #3 LOT 148
Legal Subdivision	WHEATFIELD #3
Legal Lot Number	148
Jurisdiction	ST CHARLES MO
Township / Civil Division	DARDENNE
Census Block Group	3
Census Block	3004
Census Tract	311739

Owner

6405 Sprucefield Dr is owned and occupied by two individuals who bought it in September 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	6405 SPRUCEFIELD DR, O FALLON, MO 63368-7845
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

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
Sep 6, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage MISSOURI HOUSING DEVELOPMENT COMMISSION
May 7, 2024	Warranty Deed, Transfer
Oct 14, 2020	Warranty Deed, Transfer · Conventional Mortgage BROKER SOLUTIONS INC
Aug 10, 2017	Warranty Deed, Transfer · FHA Mortgage PEOPLES HM EQUITY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 4, 2024 · Amount on File
Deed Sale	Sep 4, 2024 · Amount on File
Prior Sale	May 7, 2024 · Amount on File
Deed Document Number	202435944
Record Updated	Oct 29, 2026

September 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	6405 SPRUCEFIELD DR, O FALLON, MO 63368-7845
Transaction Type	Mortgage
Record Updated	Jul 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000036559
Date	Sep 6, 2024
Instrument	2024R-036559

Lender

Name	MISSOURI HOUSING DEVELOPMENT COMMISSION
Type	Government Agency
Address	KANSAS CITY, MO 64106

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record

May 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	May 7, 2024
Property Address	6405 SPRUCEFIELD DR, O FALLON, MO 63368-7845
Document Number	0000017484
Map Reference	MB 30 PG 130
Instrument Date	May 3, 2024
Instrument	2024R-017484
Transaction Type	Transfer
Record Updated	Jul 1, 2026

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	410 N SCOTTSDALE RD STE 1600, 1600, TEMPE, AZ 85288-0976
Investor	Possibly a Property Investor

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Oct 14, 2020
Property Address	6405 SPRUCEFIELD DR, O FALLON, MO 63368-7845
Document Number	0000077473
Map Reference	MB 30 PG 130
Instrument Date	Oct 2, 2020
Instrument	2020R-077473
Transaction Type	Transfer
Record Updated	Oct 4, 2022
Title Company	UST

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6405 SPRUCEFIELD DR, 6405, O FALLON, MO 63368-7845

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6405 SPRUCEFIELD DR, O FALLON, MO 63368-7845
Investor	Possibly a Property Investor

Mortgage

Document Number	0000077474
Date	Oct 14, 2020
Instrument	2020R-077474

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Aug 10, 2017
Property Address	6405 SPRUCEFIELD DR, O FALLON, MO 63368-7845
Document Number	0067891667
Book / Page	006789 / 001667
Instrument Date	Aug 7, 2017
Instrument	502030
Transaction Type	Transfer
Record Updated	Sep 21, 2017

Transaction

Amount	Amount on Record
Downpayment	Downpayment 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
Address	6405 SPRUCEFIELD DR O FALLON MO 633687845, O FALLON, MO 63368-7845

Mortgage

Document Number	67891669
Date	Aug 10, 2017
Book Page	006789/001669
Instrument	502040

Lender

Name	PEOPLES HM EQUITY
Type	Funding / Finance Company
Address	BRENTWOOD, TN 37027

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 9, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 6405 Sprucefield Dr was $2,904.

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		$44,289 (-)	$233,100 (-) Land $55,000 Building $178,100
2025	$2,904.00	$44,289	$233,100 Land $55,000 Building $178,100
2023		$43,826
2022			$230,663 Land $45,000 Building $185,663

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 6405 Sprucefield Dr in Zone X, an area of minimal flood risk.

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

The area around 6405 Sprucefield Dr has no burnable land within ember reach, so its wildfire risk is not rated.

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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