6441 Sprucefield Dr, O Fallon, MO 63368 Property Records

St. Charles County property record for 6441 Sprucefield Dr, O Fallon, MO 63368

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,850 sqft · built 1987
Lot Size	0.18 acres (7,841 sqft)
Owner	2 Individual Names on Record
Last Sale	$249,500 (Dec 2021)
Tax Bill	$3,435 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Dec 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`A860002549`

Property Details

APN / Parcel Number

Primary APN	`A860002549`
Alternative APN	`2-0069-5930-00-0157.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,850 sqft Living Area
Gross Area	2,682 sqft
1st Floor Area	1,136 sqft
Basement Area	1,092 sqft
Finished Basement	714 sqft
Unfinished Basement	378 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,841 sqft (0.18 acres)
Garage Type	Attached
Garage Area	454 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	68 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A860002549
Street Address	6441 SPRUCEFIELD DR
City	O FALLON
State	MO
Zip	63368-7845
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MORGAN OAKS FKA WHEATFIELD #1 LOT 157
Legal Subdivision	MORGAN OAKS FKA WHEATFIELD #1
Legal Lot Number	157
Jurisdiction	ST CHARLES MO
Township / Civil Division	DARDENNE
Census Block Group	3
Census Block	3004
Census Tract	311739

Owner

Source: St. Charles County records, as of September 10, 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	6441 SPRUCEFIELD DR, O FALLON, MO 63368-7845
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 14, 2021	Warranty Deed, Transfer · Conventional Mortgage BANK OF AMERICA NA
Dec 31, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage STIFEL BANK & TRUST
Aug 14, 2017	Warranty Deed, Transfer INTEGRITY MTG/MO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 14, 2021 · Amount on Record
Deed Sale	Dec 14, 2021 · Amount on Record
Prior Sale	Dec 31, 2020 · Amount on Record
Deed Document Number	2021100556
Prior Transfer Date	Dec 18, 2020
Prior Transfer Doc	0000103305
Record Updated	Oct 29, 2026

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Dec 14, 2021
Property Address	6441 SPRUCEFIELD DR, O FALLON, MO 63368-7845
Document Number	0000100556
Map Reference	MB 24 PG 183
Instrument Date	Dec 10, 2021
Instrument	2021R-100556
Transaction Type	Transfer
Record Updated	Oct 4, 2022
Title Company	FREEDOM TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3633 MEADOWGLEN CT, 3633, SAINT CHARLES, MO 63303-6678

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6441 SPRUCEFIELD DR, O FALLON, MO 63368-7845

Mortgage

Document Number	0000100557
Date	Dec 14, 2021
Instrument	2021R-100557

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

December 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Dec 31, 2020
Property Address	6441 SPRUCEFIELD DR, O FALLON, MO 63368-7845
Document Number	0000103305
Map Reference	MB 24 PG 183
Instrument Date	Dec 18, 2020
Instrument	2020R-103305
Transaction Type	Transfer
Record Updated	Oct 4, 2022
Title Company	INVESTORS TITLE COMPANY

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6441 SPRUCEFIELD DR, O FALLON, MO 63368-7845

Mortgage

Document Number	0000103306
Date	Dec 31, 2020
Instrument	2020R-103306

Lender

Name	STIFEL BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Aug 14, 2017
Property Address	6441 SPRUCEFIELD DR, O FALLON, MO 63368-7845
Document Number	0067901995
Book / Page	006790 / 001995
Instrument Date	Aug 11, 2017
Instrument	507620
Transaction Type	Transfer
Record Updated	Sep 21, 2017
Title Company	US TITLE

Transaction

Amount	Amount Recorded
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
Relationship	Joint Tenants with Right of Survivorship
Address	6441 SPRUCEFIELD DR O FALLON MO 633687845, O FALLON, MO 63368-7845

Mortgage

Document Number	67901997
Date	Aug 14, 2017
Book Page	006790/001997
Instrument	507630

Lender

Name	INTEGRITY MTG/MO
Type	Mortgage Company
Address	SAINT CHARLES, MO 63301

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 13, 2047

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		$52,516 (-)	$276,401 (-) Building $276,401
2025	$3,435.00	$52,516 (+11.14%)	$276,401 (+11.14%)
2023		$47,251
2022			$248,689 Land $45,000 Building $203,689

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 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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