6504 Sprucefield Dr, O Fallon, MO 63368 Property Records

St. Charles County property record for 6504 Sprucefield Dr, O Fallon, MO 63368

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 914 sqft · built 1986
Lot Size	0.25 acres (10,890 sqft)
Owner	Individual Name on Record
Last Sale	$195,000 (Aug 2019)
Tax Bill	$3,055 (2025)
Deeds & Mortgages	Aug 2019 Mortgage Mar 2019 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`A860002558`

Property Details

APN / Parcel Number

Primary APN	`A860002558`
Alternative APN	`2-0069-5930-00-0166.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	914 sqft Living Area
1st Floor Area	914 sqft
Basement Area	888 sqft
Finished Basement	665 sqft

Exterior

Year Built	Built 1986
Architectural Style	Ranch
Exterior Material	Stone
Lot Area	10,890 sqft (0.25 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	80 sqft
Patio Area	285 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Sewer	Connected

Location & Zoning

Account Number	A860002558
Old Parcel Number	A860002558
Street Address	6504 SPRUCEFIELD DR
City	O FALLON
State	MO
Zip	63368-7846
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MORGAN OAKS FKA WHEATFIELD #1 LOT 166
Legal Range	03E
Legal Township	46N
Legal Subdivision	MORGAN OAKS FKA WHEATFIELD #1
Legal Lot Number	166
Jurisdiction	ST CHARLES MO
Township / Civil Division	DARDENNE
Census Block Group	2
Census Block	2010
Census Tract	311739

Owner

Source: St. Charles County records, as of March 16, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	6504 SPRUCEFIELD DR, O FALLON, MO 63368-7846
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 12, 2019	Warranty Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO
Mar 14, 2019	Trustee's Deed, Construction Loan · Line of Credit LINDELL BK&TR
Feb 21, 2019	Grant Deed, Transfer NOT AVAILABLE
Nov 2, 2018	Deed in Lieu of Foreclosure, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 12, 2019 · Amount on Record
Deed Sale	Aug 12, 2019 · Amount on Record
Prior Sale	Feb 21, 2019 · Amount on Record
Deed Document Number	0071212260
Deed Book / Page	7121 / 2260
Record Updated	Jun 8, 2026

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Aug 12, 2019
Property Address	6504 SPRUCEFIELD DR, O FALLON, MO 63368-7846
Document Number	0000421960
Book / Page	7121 / 2260
Map Reference	MB 1059 PG 380
Instrument Date	Aug 7, 2019
Instrument	20190812000421960
Transaction Type	Transfer
Record Updated	Oct 4, 2022
Title Company	GUILD MORTGAGE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1409 LUCERNE PL, 1409, WELDON SPRING, MO 63304-7791

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6504 SPRUCEFIELD DR, O FALLON, MO 63368-7846

Mortgage

Document Number	0000421970
Date	Aug 12, 2019
Instrument	20190812000421970

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2049

March 2019: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	ST CHARLES MO
Recording Date	Mar 14, 2019
Property Address	6504 SPRUCEFIELD DR, O FALLON, MO 63368-7846
Document Number	0070461104
Book / Page	007046 / 001104
Instrument Date	Mar 5, 2019
Instrument	113220
Transaction Type	Construction Loan
Record Updated	Apr 2, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1409 LUCERNE PL WELDON SPRING MO 633047791, WELDON SPRING, MO 63304-7791

Mortgage

Document Number	70461104
Date	Mar 14, 2019
Book Page	007046/001104
Instrument	113220

Lender

Name	LINDELL BK&TR
Type	Bank
Address	ST LOUIS, MO 63139

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

February 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ST CHARLES MO
Recording Date	Feb 21, 2019
Property Address	6504 SPRUCEFIELD DR, O FALLON, MO 63368-7846
Document Number	0070372290
Book / Page	007037 / 002290
Instrument Date	Feb 12, 2019
Instrument	76900
Transaction Type	Transfer
Record Updated	Mar 7, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1409 LUCERNE PL WELDON SPRING MO 633047791, WELDON SPRING, MO 63304-7791

November 2018: Deed in Lieu of Foreclosure, Foreclosure

Document Type	Deed in Lieu of Foreclosure
Jurisdiction	ST CHARLES MO
Recording Date	Nov 2, 2018
Property Address	6504 SPRUCEFIELD DR, O FALLON, MO 63368-7846
Document Number	0069981650
Book / Page	006998 / 001650
Instrument Date	Oct 18, 2018
Instrument	626610
Transaction Type	Foreclosure
Record Updated	Nov 19, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Notice of Trustee Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Association
Address	14405 WALTERS RD #200 TULSA OK 74105, 200, TULSA, OK 74105
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of July 1, 2025

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
2025	$3,055.00	$46,636 (+9.03%)	$245,451 (+9.03%)
2023		$42,773
2022			$225,122 Land $45,000 Building $180,122

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
Community Rating System	Class 9 (5% premium discount)
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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