6505 Sprucefield Dr, O Fallon, MO 63368 Property Records

St. Charles County property record for 6505 Sprucefield Dr, O Fallon, MO 63368

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,872 sqft · built 1986
Lot Size	0.22 acres (9,583 sqft)
Owner	Company Name on Record
Last Sale	$3,692,300 (Sep 2024)
Tax Bill	$3,017 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Jul 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`A860002552`

Property Details

APN / Parcel Number

Primary APN	`A860002552`
Alternative APN	`2-0069-5930-00-0160.0000000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	1,872 sqft Living Area
Gross Area	2,292 sqft
1st Floor Area	936 sqft
Basement Area	936 sqft
Finished Basement	936 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,583 sqft (0.22 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	144 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A860002552
Street Address	6505 SPRUCEFIELD DR
City	O FALLON
State	MO
Zip	63368-7847
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MORGAN OAKS FKA WHEATFIELD #1 LOT 160
Legal Subdivision	MORGAN OAKS FKA WHEATFIELD #1
Legal Lot Number	160
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 September 10, 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	1900 N CALIFORNIA BLVD, 46, WALNUT CREEK, CA 94596-3701
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Dec 28, 2020	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Jul 15, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage US BANK NA
Jan 28, 2021	Warranty Deed, Transfer · Conventional Mortgage US BANK NA
May 31, 2018	Warranty Deed, Transfer · FHA Mortgage SIRVA MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 9, 2024 · Amount on Record
Deed Sale	Sep 9, 2024 · Amount on Record
Prior Sale	Apr 9, 2024 · Amount on Record
Deed Document Number	202436621
Prior Transfer Date	Jun 22, 2022
Prior Transfer Doc	0000039297
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	6505 SPRUCEFIELD DR, O FALLON, MO 63368-7847
Transaction Type	Mortgage
Record Updated	Oct 4, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6505 SPRUCEFIELD DR, O FALLON, MO 63368-7847

Mortgage

Document Number	0000101959
Date	Dec 28, 2020
Instrument	2020R-101959

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	CHESTERFIELD, MO 63005

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	330 Months
Due	Jun 1, 2048

July 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Jul 15, 2022
Property Address	6505 SPRUCEFIELD DR, O FALLON, MO 63368-7847
Document Number	0000039297
Map Reference	MB 24 PG 183
Instrument Date	Jun 22, 2022
Instrument	2022R-039297
Transaction Type	Transfer
Record Updated	Oct 4, 2022
Title Company	OLD REPUBLIC TITLE, ORT

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	6505 SPRUCEFIELD DR, O FALLON, MO 63368-7847

Mortgage

Document Number	0000039298
Date	Jul 15, 2022
Instrument	2022R-039298

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.37%
Type Change Date	Jul 1, 2027
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	6.37%
Index	5-Year CMT
Max Rate	9.37%

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jan 28, 2021
Property Address	6505 SPRUCEFIELD DR, O FALLON, MO 63368-7847
Document Number	0000008385
Map Reference	MB 24 PG 183
Instrument Date	Jan 25, 2021
Instrument	2021R-008385
Transaction Type	Transfer
Record Updated	Oct 4, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6505 SPRUCEFIELD DR, O FALLON, MO 63368-7847

Mortgage

Document Number	0000008386
Date	Jan 28, 2021
Instrument	2021R-008386

Lender

Name	US BANK NA
Type	Bank

Agreement

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

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	May 31, 2018
Property Address	6505 SPRUCEFIELD DR, O FALLON, MO 63368-7847
Document Number	0000298600
Book / Page	6926 / 0613
Map Reference	MB 24 PG 183
Instrument Date	May 29, 2018
Instrument	20180531000298600
Transaction Type	Transfer
Record Updated	Oct 4, 2022
Title Company	STEWART TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	22 JORDAN MARIE LN, 22, OLD MONROE, MO 63369-2146

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6505 SPRUCEFIELD DR, O FALLON, MO 63368-7847

Mortgage

Document Number	0000298610
Date	May 31, 2018
Instrument	20180531000298610

Lender

Name	SIRVA MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 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	Fort Zumwalt R-II School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$46,047 (-)	$242,355 (-) Building $242,355
2025	$3,017.00	$46,047 (+7.62%)	$242,355 (+7.62%) Building $242,355
2023		$42,787
2022			$225,193 Land $45,000 Building $180,193

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
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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