St. Charles County property record for 654 Covered Bridge Ln, O Fallon, MO 63368 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 2.5 Baths |
| Year Built | Built 2003 |
| Square Footage | 2,874 sqft Living Area |
| Lot Size | 6,970 sqft (0.16 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $243,800 (2016) |
| Tax Bill | $5,274.00 (2024) |
| Primary APN | T021700220 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Partial Baths | 1 Partial Baths |
| Total Rooms | 9 Rooms |
| Building Area | 2,874 sqft Living Area |
| Gross Area | 4,542 sqft Gross Area |
| 1st Floor | 2,874 sqft 1st Floor |
| Basement Area | 1,186 sqft Basement |
| Stories | 1 Stories |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Architectural Style | Ranch Style |
| Exterior Material | Aluminum/Vinyl Exterior |
| Lot Area | 6,970 sqft (0.16 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 482 sqft Garage |
| Patio Area | 143 sqft Patio |
| Porch | Open Porch |
| Porch Area | 166 sqft Porch |
| Heating Fuel | Gas Heating Fuel |
|---|---|
| Sewage | Sewage Connected |
| Water Source | Yes (Unknown Type) Water Source |
| Account Number | T021700220 |
|---|---|
| Street Address | 654 COVERED BRIDGE LN |
| City | O FALLON |
| State | MO |
| Zip | 63368-4088 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | STONEY MOUNTAIN VLG LOT 377 |
| Legal Subdivision | STONEY MOUNTAIN VLG |
| Legal Lot Number | 377 |
| Jurisdiction | ST CHARLES MO |
| Minor Civil Division | BOONE |
| Census Blockgroup | 2 |
| Census Block | 2004 |
| Census Tract | 311153 |
Source: St. Charles County records · APN T021700220
Assessment roll updated August 13, 2025 · Last verified April 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 File |
|---|---|
| Mailing Address | 654 COVERED BRIDGE LN, O FALLON, MO 63368-4088 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Oct 13, 2021 | Deed of Trust, Mortgage · Conventional Mortgage JLB CORP |
| Jul 06, 2018 | Deed of Trust, Mortgage · Line of Credit WEST COMMUNITY CU |
| Jun 29, 2019 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage GOLDEN OAK LNDG |
| Jun 29, 2018 | Deed of Trust, Mortgage GOLDEN OAK LNDG |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Mar 15, 2016 · Amount on Record |
| Deed Sale | Mar 15, 2016 · Amount on Record |
| Prior Sale | May 25, 2011 · Amount on Record |
| Deed Doc Number | 2016146260 |
| Deed Book / Page | 6504 / 136 |
| Prior Transfer Date | Feb 11, 2005 |
| Prior Transfer Doc | 0041520091 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 654 COVERED BRIDGE LN, O FALLON, MO 63368-4088 |
| Transaction Type | Mortgage |
| Record Updated | Oct 28, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2021R085046 |
|---|---|
| Date | Oct 13, 2021 |
| Instrument | 2021R-085046 |
| Name | JLB CORP |
|---|---|
| Type | Mortgage Company |
| Address | SAINT LOUIS, MO 63146 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 654 COVERED BRIDGE LN, O FALLON, MO 63368-4088 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0069450863 |
|---|---|
| Date | Jul 06, 2018 |
| Book Page | 6945/0863 |
| Instrument | 20180706000382750 |
| Name | WEST COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Address | O FALLON, MO 63368 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jul 01, 2038 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 654 COVERED BRIDGE LN, O FALLON, MO 63368-4088 |
| Document Number | 0071021631 |
| Instrument Date | Jun 29, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jul 26, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 654 COVERED BRIDGE LN O FALLON MO 633684088, O FALLON, MO 63368-4088 |
| Document Number | 0071021631 |
|---|---|
| Date | Jul 09, 2019 |
| Book Page | 007102/001631 |
| Instrument | 346350 |
| Name | GOLDEN OAK LNDG |
|---|---|
| Address | SAINT LOUIS, MO 63146 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 08, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 654 COVERED BRIDGE LN, O FALLON, MO 63368-4088 |
| Document Number | 0069450461 |
| Instrument Date | Jun 29, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jul 24, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 654 COVERED BRIDGE LN O FALLON MO 633684088, O FALLON, MO 63368-4088 |
| Document Number | 0069450461 |
|---|---|
| Date | Jul 06, 2018 |
| Book Page | 006945/000461 |
| Instrument | 382260 |
| Name | GOLDEN OAK LNDG |
|---|---|
| Address | SAINT LOUIS, MO 63146 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jul 05, 2048 |
Source: St. Charles County records · Assessment roll updated August 13, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | O'Fallon City |
| Unified School District | Fort Zumwalt R-II School District (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,430.00 (+2.96%) | $87,228 (+6.05%) | $459,093 (+6.05%) Land $52,500 Building $406,593 |
| 2024 | $5,274.00 | ||
| 2023 | $82,253 | ||
| 2022 | $432,913 Land $48,125 Building $384,788 |
Source: FEMA National Flood Hazard Layer, St. Charles County (29183C), updated August 25, 2024 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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