6428 Sprucefield Dr, O Fallon, MO 63368 Property Records

St. Charles County property record for 6428 Sprucefield Dr, O Fallon, MO 63368

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,054 sqft · built 1987
Lot Size	0.18 acres (7,841 sqft)
Owner	Company Name on Record
Last Sale	$1,267,749 (Mar 2026)
Tax Bill	$3,134 (2025)
Deeds & Mortgages	Mar 2026 Line of Credit Nov 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`A860002564`

Property Details

APN / Parcel Number

Primary APN	`A860002564`
Alternative APN	`2-0069-5930-00-0172.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,054 sqft Living Area
Gross Area	2,530 sqft
1st Floor Area	1,054 sqft
Basement Area	1,014 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Ranch
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,841 sqft (0.18 acres)
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	72 sqft
Patio Area	270 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A860002564
Street Address	6428 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 172
Legal Subdivision	MORGAN OAKS FKA WHEATFIELD #1
Legal Lot Number	172
Jurisdiction	ST CHARLES MO
Township / Civil Division	DARDENNE
Census Block Group	3
Census Block	3015
Census Tract	311739

Owner

Source: St. Charles County records, as of September 11, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	16 HOOHALE ST, KIHEI, HI 96753-8689
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Mar 18, 2026	Intrafamily Transfer, Transfer · Line of Credit CARROLLTON BANK
Nov 1, 2023	Deed of Trust, Mortgage · Commercial Mortgage PEOPLES BANK & TRUST CO
Mar 28, 2023	Affidavit of Death of Joint Tenant, Transfer
Mar 28, 2023	Warranty Deed, Transfer FREEDOM TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 18, 2026 · Amount on Record
Deed Sale	Mar 18, 2026 · Amount on Record
Prior Sale	Mar 28, 2023 · Amount on Record
Deed Document Number	202612281
Prior Transfer Date	Mar 27, 2023
Prior Transfer Doc	0000011319
Record Updated	Oct 29, 2026

March 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Mar 18, 2026
Property Address	6428 SPRUCEFIELD DR, O FALLON, MO 63368-7844
Document Number	0000012281
Map Reference	MB 24 PG 183
Instrument Date	Feb 6, 2026
Instrument	2026R-012281
Transaction Type	Transfer
Record Updated	Apr 6, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16 HOOTRALE ST, KIHEI, HI 96753

Mortgage

Document Number	0000012286
Date	Mar 18, 2026
Instrument	2026R-012286

Lender

Name	CARROLLTON BANK
Type	Bank
Address	SAINT CHARLES, MO 63301

Agreement

Type	Line of Credit
Amount	Amount Recorded

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	6428 SPRUCEFIELD DR, O FALLON, MO 63368-7844
Transaction Type	Mortgage
Record Updated	Jan 17, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16 HOOHALE ST, KIHEI, HI 96753-8689
Investor	Possibly a Property Investor

Mortgage

Document Number	0000044978
Date	Nov 1, 2023
Instrument	2023R-044978

Lender

Name	PEOPLES BANK & TRUST CO
Type	Bank
Address	TROY, MO 63379

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

March 2023: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	ST CHARLES MO
Recording Date	Mar 28, 2023
Property Address	6428 SPRUCEFIELD DR, O FALLON, MO 63368-7844
Document Number	0000011319
Map Reference	MB 24 PG 183
Instrument Date	Mar 23, 2023
Instrument	2023R-011319
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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1410 HIGHLAND PARK CT, WENTZVILLE, MO 63385-5539

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Mar 28, 2023
Property Address	6428 SPRUCEFIELD DR, O FALLON, MO 63368-7844
Document Number	0000011320
Map Reference	MB 24 PG 183
Instrument Date	Mar 23, 2023
Instrument	2023R-011320
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	FREEDOM TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6428 SPRUCEFIELD DR, O FALLON, MO 63368-7844
Investor	Possibly a Property Investor

Tax Assessment & Valuation

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		$47,855 (-)	$251,868 (-) Building $251,868
2025	$3,134.00 (+6.2%)	$47,855 (+7.16%)	$251,868 (+7.16%) Building $251,868
2024	$2,951.00
2023		$44,658
2022			$235,044 Land $45,000 Building $190,044

Assessed value is set for property tax purposes, not a market price estimate; it is 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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