St. Charles County property record for 6432 Sprucefield Dr, O Fallon, MO 63368
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,442 sqft · built 1989 |
| Lot Size | 0.18 acres (7,841 sqft) |
| Owner | Individual Name on File |
| Last Sale | $245,632 (Aug 2026) |
| Tax Bill | $3,435 (2025) |
| Deeds & Mortgages | Aug 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | A860002563 |
| Primary APN | A860002563 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 2,442 sqft Living Area |
| Gross Area | 2,868 sqft |
| 1st Floor Area | 1,242 sqft |
| Basement Area | 1,226 sqft |
| Finished Basement | 1,200 sqft |
| Unfinished Basement | 26 sqft |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| 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 | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 90 sqft |
| Patio Area | 144 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | A860002563 |
|---|---|
| Street Address | 6432 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 171 |
| Legal Subdivision | MORGAN OAKS FKA WHEATFIELD #1 |
| Legal Lot Number | 171 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | DARDENNE |
| Census Block Group | 3 |
| Census Block | 3015 |
| Census Tract | 311739 |
6432 Sprucefield Dr is owned and occupied by an individual who bought it in August 2026.
Source: St. Charles County records, as of August 17, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 6432 SPRUCEFIELD DR, O FALLON, MO 63368-7844 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 7, 2026 · Amount on File |
| Deed Sale | Aug 7, 2026 · Amount on File |
| Prior Sale | Jun 13, 2006 · Amount on File |
| Deed Document Number | 202637740 |
| Prior Transfer Date | Jun 9, 2006 |
| Prior Transfer Doc | 0000497890 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Aug 7, 2026 |
| Property Address | 6432 SPRUCEFIELD DR, O FALLON, MO 63368-7844 |
| Document Number | 0000037740 |
| Instrument Date | Aug 6, 2026 |
| Instrument | 202637740 |
| Transaction Type | Transfer |
| Record Updated | Oct 23, 2026 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SOLUTI |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 6432 SPRUCEFIELD DR, O FALLON, MO 63368-7844 |
| Document Number | 0000037741, |
|---|---|
| Date | Aug 7, 2026 |
| Instrument | 202637741 |
| Name | NEW AMERICAN FUNDING |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
The 2025 property tax bill for 6432 Sprucefield Dr was $3,435.
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | O'Fallon City |
| Unified School District | Fort Zumwalt R-II School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $52,517 (-) | $276,406 (-) Building $276,406 | |
| 2025 | $3,435.00 | $52,517 | $276,406 Building $276,406 |
| 2023 | $48,054 | ||
| 2022 | $252,918 Land $45,000 Building $207,918 |
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.
FEMA maps place 6432 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.
The area around 6432 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.
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 |
| 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.
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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