643 Thornridge Dr, O Fallon, MO 63368 Property Records

St. Charles County property record for 643 Thornridge Dr, O Fallon, MO 63368

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,587 sqft · built 2001
Lot Size	0.19 acres (8,276 sqft)
Owner	2 Individual Names on Record
Last Sale	$265,000 (Jun 2014)
Tax Bill	$4,521 (2025)
Deeds & Mortgages	May 2026 Mortgage Apr 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T001700511`

Property Details

APN / Parcel Number

Primary APN	`T001700511`
Alternative APN	`4-0036-8337-00-0322.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	3,587 sqft Living Area
Gross Area	4,182 sqft
1st Floor Area	1,887 sqft
Basement Area	1,875 sqft
Finished Basement	1,700 sqft
Unfinished Basement	175 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Ranch
Exterior Material	Brick/Stone
Lot Area	8,276 sqft (0.19 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	43 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T001700511
Street Address	643 THORNRIDGE DR
City	O FALLON
State	MO
Zip	63368-3797
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HAWTHORNE VLG LOT 322
Legal Subdivision	HAWTHORNE VLG
Legal Lot Number	322
Jurisdiction	ST CHARLES MO
Township / Civil Division	BOONE
Census Block Group	1
Census Block	1001
Census Tract	311153

Owner

Source: St. Charles County records, as of August 7, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	643 THORNRIDGE DR, O FALLON, MO 63368-3797
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 18, 2026	Deed of Trust, Mortgage · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC
Apr 5, 2022	Deed of Trust, Mortgage · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC
Jun 26, 2018	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FINANCIAL RESOURCES INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 12, 2014 · Amount on Record
Deed Sale	Jun 12, 2014 · Amount on Record
Prior Sale	Jul 30, 2013 · Amount on Record
Deed Document Number	2014306550
Deed Book / Page	6199 / 2120
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Recording Date	May 18, 2026
Property Address	643 THORNRIDGE DR, O FALLON, MO 63368-3797
Document Number	0000023068
Instrument Date	May 8, 2026
Instrument	202623068
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	DO NO USE, CARRINGTON MORTGAGE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	643 THORNRIDGE DR, O FALLON, MO 63368-3797

Mortgage

Document Number	0000023068,
Date	May 18, 2026
Instrument	202623068

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	6.37%
Max Rate	-1%

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	643 THORNRIDGE DR, O FALLON, MO 63368-3797
Transaction Type	Mortgage
Record Updated	Apr 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	643 THOMRIDGE DRIVE, O FALLON, MO 63368

Mortgage

Document Number	0000019491
Date	Apr 5, 2022
Instrument	2022R-019491

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company
Address	ANAHEIM, CA 92806

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2052

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	643 THORNRIDGE DR, O FALLON, MO 63368-3797
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CONTINENTAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0069391654
Date	Jun 26, 2018
Book Page	6939/1654
Instrument	20180626000035699

Lender

Name	AMERICAN FINANCIAL RESOURCES INC
Type	Funding / Finance Company
Address	PARSIPPANY, NJ 07054

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2048

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	Wentzville R-IV School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$67,998 (-)	$357,886 (-) Land $72,000 Building $285,886
2025	$4,521.00	$67,998 (+3.96%)	$357,886 (+3.97%) Land $72,000 Building $285,886
2023		$65,405
2022			$344,237 Land $58,500 Building $285,737

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 Claims	2 (2006–2008)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Sep 2008 · Severe Storms, Flooding, And A Tornado

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	Low lower than 97% of the US · lower than 95% of Missouri
Wildfire Likelihood	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	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 292 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
i3 Broadband Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30

May also be available: Gateway Fiber, T-Mobile, Verizon.

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