6509 Sprucefield Dr, O Fallon, MO 63368 Property Records

St. Charles County property record for 6509 Sprucefield Dr, O Fallon, MO 63368

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,188 sqft · built 1990
Lot Size	0.22 acres (9,583 sqft)
Owner	2 Individual Names on Record
Last Sale	$305,000 (Dec 2024)
Tax Bill	$3,421 (2025)
Deeds & Mortgages	Jun 2022 Mortgage Dec 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`A860002553`

Property Details

APN / Parcel Number

Primary APN	`A860002553`
Alternative APN	`2-0069-5930-00-0161.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,188 sqft Living Area
Gross Area	2,760 sqft
1st Floor Area	1,188 sqft
Basement Area	1,172 sqft

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Ranch
Exterior Material	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,583 sqft (0.22 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	90 sqft
Patio 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	A860002553
Street Address	6509 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 161
Legal Subdivision	MORGAN OAKS FKA WHEATFIELD #1
Legal Lot Number	161
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	2 Individual Names on Record
Mailing Address	6509 SPRUCEFIELD DR, O FALLON, MO 63368-7847
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2022	Deed of Trust, Mortgage · Closed-End Mortgage HERITAGE COMMUNITY BANK
Dec 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage ROYAL UNITED MORTGAGE LLC
Aug 1, 2022	Warranty Deed, Transfer · Conventional Mortgage LENDSURE MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 3, 2024 · Amount on Record
Deed Sale	Dec 3, 2024 · Amount on Record
Prior Sale	Aug 1, 2022 · Amount on Record
Deed Document Number	202450300
Record Updated	Oct 29, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	6509 SPRUCEFIELD DR, O FALLON, MO 63368-7847
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6509 SPRUCEFIELD DR, O FALLON, MO 63368-7847
Investor	Possibly a Property Investor

Mortgage

Document Number	0000036502
Date	Jun 30, 2022
Instrument	2022R-036502

Lender

Name	HERITAGE COMMUNITY BANK
Type	Bank
Address	WASHINGTON, MO 63090

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded
Term	13 Months
Due	Jul 2, 2023

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	6509 SPRUCEFIELD DR, O FALLON, MO 63368-7847
Transaction Type	Mortgage
Record Updated	Oct 4, 2022
Title Company	TIMIOS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6509 SPRUCEFIELD DR, O FALLON, MO 63368-7847

Mortgage

Document Number	0000100766
Date	Dec 22, 2020
Instrument	2020R-100766

Lender

Name	ROYAL UNITED MORTGAGE LLC
Type	Mortgage Company
Address	INDIANAPOLIS, IN 46250

Agreement

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

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Aug 1, 2022
Property Address	6509 SPRUCEFIELD DR, O FALLON, MO 63368-7847
Document Number	0000042483
Map Reference	MB 1059 PG 380
Instrument Date	Jul 29, 2022
Instrument	2022R-042483
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	CONTINENTAL, CONTINENTAL TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	506 TEGLER DR, UNION, MO 63084-2634

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	58 LANSDOWNE CT, SAINT CHARLES, MO 63303-2928

Mortgage

Document Number	0000042484
Date	Aug 1, 2022
Instrument	2022R-042484

Lender

Name	LENDSURE MORTGAGE CORP
Type	Mortgage Company

Agreement

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

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		$52,289 (-)	$275,205 (-) Building $275,205
2025	$3,421.00	$52,289 (+11.54%)	$275,205 (+11.53%)
2023		$46,881
2022			$246,744 Land $45,000 Building $201,744

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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