St. Charles County property record for 6945 Cog Mill Dr, O Fallon, MO 63368
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,343 sqft · built 2000 |
| Lot Size | 0.269 acres (11,761 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $4,776 (2025) |
| Deeds & Mortgages | May 2023 Sale Sep 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | T001600226 |
| Primary APN | T001600226 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,343 sqft Living Area |
| 1st Floor Area | 1,290 sqft |
| Basement Area | 1,213 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2000 |
|---|---|
| Architectural Style | Other |
| Exterior Material | Composition/Composite |
| Lot Area | 11,761 sqft (0.269 acres) |
| Garage Type | Attached |
| Parking Spaces | 3 Parking Spaces |
| Patio Area | 240 sqft |
| Account Number | T001600226 |
|---|---|
| Old Parcel Number | T001600226 |
| Street Address | 6945 COG MILL DR |
| City | O FALLON |
| State | MO |
| Zip | 63368-7198 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | VLGS AT DARDENNE PRAIRIE VILLAS #3 UNIT 1282 |
| Legal Range | 03E |
| Legal Township | 46N |
| Legal Subdivision | VLGS AT DARDENNE PRAIRIE VILLAS #3 |
| Legal Lot Number | 1282 |
| Legal Unit | 1282 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | WELDON SPRING |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 311152 |
Source: St. Charles County records · APN T001600226
Assessment roll updated July 1, 2025 · Last verified March 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 6945 COG MILL DR, O FALLON, MO 63368-7198 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 22, 2023 | Beneficiary Deed, Transfer |
| Sep 28, 2020 | Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE INC |
| Aug 12, 2022 | Beneficiary Deed, Transfer |
| Apr 05, 2022 | Intrafamily Transfer, Transfer · Conventional Mortgage GUARANTEED RATE INC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Apr 05, 2022 |
| Deed Sale | Apr 05, 2022 |
| Prior Sale | Jun 17, 2013 · Amount on Record |
| Deed Document Number | 0202219297 |
| Deed Book / Page | 2643 / 263 |
| Record Updated | Jun 08, 2026 |
| Document Type | Beneficiary Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | May 22, 2023 |
| Property Address | 6945 COG MILL DR, O FALLON, MO 63368-7198 |
| Document Number | 0000019442 |
| Map Reference | MB 35 PG 319-323 |
| Instrument Date | May 22, 2023 |
| Instrument | 2023R-019442 |
| Transaction Type | Transfer |
| Record Updated | Jun 05, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6945 COG MILL DR, O FALLON, MO 63368-7198 |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 6945 COG MILL DR, O FALLON, MO 63368-7198 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 6945 COG MILL DR, O FALLON, MO 63368-7198 |
| Transaction Type | Mortgage |
| Record Updated | Aug 25, 2022 |
| Title Company | RAVENSWOOD TITLE COMPANY LLC |
| Name | Verified Name |
|---|
| Document Number | 0000071860 |
|---|---|
| Date | Sep 28, 2020 |
| Instrument | 2020R-071860 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Address | CHICAGO, IL 60613 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Oct 01, 2035 |
| Document Type | Beneficiary Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Aug 12, 2022 |
| Property Address | 6945 COG MILL DR, O FALLON, MO 63368-7198 |
| Document Number | 0000044971 |
| Map Reference | MB 35 PG 319-323 |
| Instrument Date | Aug 12, 2022 |
| Instrument | 2022R-044971 |
| Transaction Type | Transfer |
| Record Updated | Jun 05, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6945 COG MILL DR, O FALLON, MO 63368-7198 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 6945 COG MILL DR, O FALLON, MO 63368-7198 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Apr 05, 2022 |
| Property Address | 6945 COG MILL DR, O FALLON, MO 63368-7198 |
| Document Number | 0000019297 |
| Map Reference | MB 35 PG 319-323 |
| Instrument Date | Mar 28, 2022 |
| Instrument | 2022R-019297 |
| Transaction Type | Transfer |
| Record Updated | Jun 05, 2023 |
| Title Company | RAVENSWOOD TITLE COMPANY LLC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 6945 COG MILL DR, O FALLON, MO 63368-7198 |
| Document Number | 0000019298 |
|---|---|
| Date | Apr 05, 2022 |
| Instrument | 2022R-019298 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | May 01, 2042 |
Source: St. Charles County records · Assessment roll updated July 1, 2025 · Last verified March 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 and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,776.00 | $74,474 (+5.26%) | $391,966 (+5.26%) Land $75,000 Building $316,966 |
| 2023 | $70,755 | ||
| 2022 | $372,395 Land $50,000 Building $322,395 |
Source: FEMA National Flood Hazard Layer as of August 25, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| Wildfire Risk | Low lower than 99.8% of the US · lower than 99.6% of Missouri |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| WH i3B Bidco LLC/WH i3B Topco Fiber | 8,000 / 8,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Wisper ISP Fixed Wireless | 400 / 30 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: AT&T, Gateway Fiber Holdings, Verizon.
Based on FCC filings for 327 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ST CHARLES COUNTY PWSD 2 serves 100,587 people |
|---|---|
| Water Source | Purchased surface water from ST LOUIS CITY PWS |
| Last State Inspection | Aug 2023 |
| Lead | 2 ppb (2026) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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