6928 Cog Mill Dr, O Fallon, MO 63368 Property Records

St. Charles County property record for 6928 Cog Mill Dr, O Fallon, MO 63368

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,161 sqft · built 1999
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on Record
Last Sale	$335,160 (Mar 2026)
Tax Bill	$4,595 (2025)
Deeds & Mortgages	Mar 2026 Mortgage May 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T001600175`

Property Details

APN / Parcel Number

Primary APN	`T001600175`
Alternative APN	`2-0129-8146-00-1231.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,161 sqft Living Area
Gross Area	3,737 sqft
1st Floor Area	1,178 sqft
Basement Area	1,156 sqft
Finished Basement	1,000 sqft
Unfinished Basement	156 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Lot Area	10,890 sqft (0.25 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	124 sqft
Deck Area	Deck Area
Patio Area	100 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T001600175
Street Address	6928 COG MILL DR
City	O FALLON
State	MO
Zip	63368-7196
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VLGS AT DARDENNE PRAIRIE VILLAS #3 UNIT 1231
Legal Subdivision	VLGS AT DARDENNE PRAIRIE VILLAS #3
Legal Lot Number	1231
Jurisdiction	ST CHARLES MO
Township / Civil Division	WELDON SPRING
Census Block Group	1
Census Block	1013
Census Tract	311152

Owner

Source: St. Charles County records, as of July 1, 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	6928 COG MILL DR, O FALLON, MO 63368-7196
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

Deeds, Mortgages & Sale History

Date	Document
Mar 30, 2026	Intrafamily Transfer, Transfer FCB BANKS
May 9, 2023	Warranty Deed, Transfer · FHA Mortgage LINCOLN SAVINGS BANK
Sep 8, 2020	Deed of Trust, Mortgage TIAA FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 30, 2026 · Amount on Record
Deed Sale	Mar 30, 2026 · Amount on Record
Prior Sale	Apr 16, 2025
Deed Document Number	202614374
Prior Transfer Date	Feb 19, 2026
Prior Transfer Doc	0000014374
Record Updated	Sep 20, 2026

March 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Mar 30, 2026
Property Address	6928 COG MILL DR, O FALLON, MO 63368-7196
Document Number	0000014374
Map Reference	MB 35 PG 319
Instrument Date	Feb 19, 2026
Instrument	2026R-014374
Transaction Type	Transfer
Record Updated	Apr 13, 2026

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	6928 COG MILL DR, O FALLON, MO 63368-7196

Mortgage

Document Number	0000014375
Date	Mar 30, 2026
Instrument	2026R-014375

Lender

Name	FCB BANKS
Type	Bank

Agreement

Amount	Amount Recorded

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	May 9, 2023
Property Address	6928 COG MILL DR, O FALLON, MO 63368-7196
Document Number	0000017626
Map Reference	MB 35 PG 319
Instrument Date	May 5, 2023
Instrument	2023R-017626
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	NOT AVAILABLE, UST

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6928 COG MILL DR, O FALLON, MO 63368-7196

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	6928 COG MILL DR, O FALLON, MO 63368-7196

Mortgage

Document Number	0000017627
Date	May 9, 2023
Instrument	2023R-017627

Lender

Name	LINCOLN SAVINGS BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	6928 COG MILL DR, O FALLON, MO 63368-7196
Document Number	0000068553
Instrument Date	Sep 8, 2020
Transaction Type	Mortgage
Record Updated	Nov 3, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	6928 COG MILL DR O FALLON MO 633687196, O FALLON, MO 63368-7196

Mortgage

Document Number	0000068553
Date	Sep 16, 2020
Instrument	68553

Lender

Name	TIAA FSB
Address	JACKSONVILLE, FL 32202

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Sep 15, 2035

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of August 13, 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	$4,595.00 (+5.44%)	$71,629 (+8.6%)	$376,993 (+8.6%) Land $75,000 Building $301,993
2024	$4,358.00
2023		$65,957
2022			$347,141 Land $50,000 Building $297,141

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	3 in force
Nearby Flood Claims	1 (2008)
Most Recent Claim	Sep 2008 · Severe Storms, Flooding, And A Tornado

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 99.1% of the US · lower than 98.2% 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 200 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Gateway Fiber Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: i3 Broadband, Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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