6512 Sprucefield Dr, O Fallon, MO 63368 Property Records

St. Charles County property record for 6512 Sprucefield Dr, O Fallon, MO 63368

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,220 sqft · built 1986
Lot Size	0.31 acres (13,504 sqft)
Owner	2 Individual Names on Record
Last Sale	$238,360 (Jul 2026)
Tax Bill	$3,104 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Nov 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`A860002556`

Property Details

APN / Parcel Number

Primary APN	`A860002556`
Alternative APN	`2-0069-5930-00-0164.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,220 sqft Living Area
Gross Area	2,228 sqft
1st Floor Area	920 sqft
Basement Area	888 sqft

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Ranch
Exterior Material	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,504 sqft (0.31 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	79 sqft
Patio Area	96 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A860002556
Street Address	6512 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 164
Legal Subdivision	MORGAN OAKS FKA WHEATFIELD #1
Legal Lot Number	164
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 11, 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	6512 SPRUCEFIELD DR, O FALLON, MO 63368-7846
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Jul 9, 2026	Warranty Deed, Transfer · Conventional Mortgage FIRST COMMUNITY CREDIT UNION
Nov 30, 2021	Warranty Deed, Transfer · Conventional Mortgage BROKER SOLUTIONS INC
Aug 22, 2017	Warranty Deed, Transfer MORTGAGE SOLUTIONS/ST LOUIS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 9, 2026 · Amount on Record
Deed Sale	Jul 9, 2026 · Amount on Record
Prior Sale	Nov 30, 2021 · Amount on Record
Deed Document Number	202632062
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jul 9, 2026
Property Address	6512 SPRUCEFIELD DR, O FALLON, MO 63368-7846
Document Number	0000032062
Instrument Date	Jul 2, 2026
Instrument	202632062
Transaction Type	Transfer
Record Updated	Oct 23, 2026
Title Company	SELECT TITLE GROUP

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6512 SPRUCEFIELD DR, O FALLON, MO 63368-7846

Mortgage

Document Number	0000032063,
Date	Jul 9, 2026
Instrument	202632063

Lender

Name	FIRST COMMUNITY CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Nov 30, 2021
Property Address	6512 SPRUCEFIELD DR, O FALLON, MO 63368-7846
Document Number	0000096925
Map Reference	MB 1059 PG 380
Instrument Date	Nov 18, 2021
Instrument	2021R-096925
Transaction Type	Transfer
Record Updated	Oct 4, 2022
Title Company	INVESTORS TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2 VAST HORIZON DR, 2, O FALLON, MO 63368-8442

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6512 SPRUCEFIELD DR, O FALLON, MO 63368-7846

Mortgage

Document Number	0000096926
Date	Nov 30, 2021
Instrument	2021R-096926

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company

Agreement

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

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Aug 22, 2017
Property Address	6512 SPRUCEFIELD DR, O FALLON, MO 63368-7846
Document Number	0067951143
Book / Page	006795 / 001143
Instrument Date	Aug 14, 2017
Instrument	528340
Transaction Type	Transfer
Record Updated	Sep 29, 2017

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	Husband and Wife
Address	6512 SPRUCEFIELD DR O FALLON MO 633687846, O FALLON, MO 63368-7846

Mortgage

Document Number	67951146
Date	Aug 22, 2017
Book Page	006795/001146
Instrument	528350

Lender

Name	MORTGAGE SOLUTIONS/ST LOUIS
Type	Mortgage Company
Address	SAINT LOUIS, MO 63119

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 21, 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		$47,393 (-)	$249,435 (-) Building $249,435
2025	$3,104.00	$47,393 (+9.39%)	$249,435 (+9.39%) Building $249,435
2023		$43,324
2022			$228,021 Land $49,500 Building $178,521

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	Low lower than 99.8% of the US · lower than 99.6% of Missouri
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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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