St. Charles County property record for 6424 Sprucefield Dr, O Fallon, MO 63368
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,052 sqft · built 1987 |
| Lot Size | 0.18 acres (7,841 sqft) |
| Owner | Individual Name on File |
| Last Sale | $270,000 (Aug 2023) |
| Tax Bill | $3,198 (2025) |
| Deeds & Mortgages | Nov 2021 Mortgage Aug 2023 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | A860002565 |
| Primary APN | A860002565 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,052 sqft Living Area |
| 1st Floor Area | 1,052 sqft |
| Basement Area | 988 sqft |
| Finished Basement | 677 sqft |
| Year Built | Built 1987 |
|---|---|
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Lot Area | 7,841 sqft (0.18 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 168 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Sewer | Connected |
| Account Number | A860002565 |
|---|---|
| Old Parcel Number | A860002565 |
| Street Address | 6424 SPRUCEFIELD DR |
| City | O FALLON |
| State | MO |
| Zip | 63368-7844 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MORGAN OAKS FKA WHEATFIELD #1 LOT 173 |
| Legal Range | 03E |
| Legal Township | 46N |
| Legal Subdivision | MORGAN OAKS FKA WHEATFIELD #1 |
| Legal Lot Number | 173 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | DARDENNE |
| Census Block Group | 3 |
| Census Block | 3015 |
| Census Tract | 311739 |
Source: St. Charles County records · APN A860002565
Assessment roll updated July 1, 2025 · Last verified March 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 6424 SPRUCEFIELD DR, O FALLON, MO 63368-7844 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 04, 2021 | Deed of Trust, Mortgage · FHA Mortgage ENDEAVOR CAPITAL LLC |
| Aug 22, 2023 | Warranty Deed, Transfer · Conventional Mortgage DELMAR FINANCIAL CO |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 22, 2023 · Amount on Record |
| Deed Sale | Aug 22, 2023 · Amount on Record |
| Prior Sale | Dec 12, 2019 |
| Deed Document Number | 0202333923 |
| Deed Book / Page | 2023 / 33923 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 6424 SPRUCEFIELD DR, O FALLON, MO 63368-7844 |
| Transaction Type | Mortgage |
| Record Updated | Jan 17, 2024 |
| Name | Verified Name |
|---|---|
| Address | 6424 SPRUCEFIELD DR, O FALLON, MO 63368-7844 |
| Document Number | 0000091291 |
|---|---|
| Date | Nov 04, 2021 |
| Instrument | 2021R-091291 |
| Name | ENDEAVOR CAPITAL LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHESTERFIELD, MO 63017 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Aug 22, 2023 |
| Property Address | 6424 SPRUCEFIELD DR, O FALLON, MO 63368-7844 |
| Document Number | 0000033923 |
| Map Reference | MB 1059 PG 380 |
| Instrument Date | Aug 16, 2023 |
| Instrument | 2023R-033923 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2024 |
| Title Company | NOT AVAILABLE, LEADERS TITLE COMPANY LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1022 DREXEL DR, SAINT CHARLES, MO 63303-6619 |
| Name | Verified Name |
|---|---|
| Address | 6424 SPRUCEFIELD DR, O FALLON, MO 63368-7844 |
| Document Number | 0000033924 |
|---|---|
| Date | Aug 22, 2023 |
| Instrument | 2023R-033924 |
| Name | DELMAR FINANCIAL CO |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2053 |
Source: St. Charles County records · Assessment roll updated July 1, 2025 · Last verified March 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | O'Fallon City |
| Unified School District | Fort Zumwalt R-II School District (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,198.00 | $48,847 (+9.14%) | $257,087 (+9.14%) |
| 2023 | $44,757 | ||
| 2022 | $235,564 Land $45,000 Building $190,564 |
Source: FEMA National Flood Hazard Layer as of August 25, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| WH i3B Bidco LLC/WH i3B Topco 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 USA Fixed Wireless | 100 / 20 |
May also be available: Brightspeed, Verizon.
Based on FCC filings for 355 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ST CHARLES COUNTY PWSD 2 serves 100,587 people |
|---|---|
| Water Source | Purchased surface water from ST LOUIS CITY PWS |
| Last State Inspection | Aug 2023 |
| Lead | 2 ppb (2026) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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