St. Charles County property record for 7 Democracy Cir, O Fallon, MO 63368
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,171 sqft · built 1989 |
| Lot Size | 0.22 acres (9,583 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $183,400 (Dec 2002) |
| Tax Bill | $3,678 (2025) |
| Deeds & Mortgages | Feb 2024 Sale Oct 2022 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | A902001120 |
| Primary APN | A902001120 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,171 sqft Living Area |
| Gross Area | 3,149 sqft |
| 1st Floor Area | 1,371 sqft |
| Basement Area | 1,337 sqft |
| Finished Basement | 800 sqft |
| Unfinished Basement | 537 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 9,583 sqft (0.22 acres) |
| Garage Type | Attached |
| Garage Area | 441 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | Deck Area |
| Patio Area | 357 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | A902001120 |
|---|---|
| Street Address | 7 DEMOCRACY CIR |
| City | O FALLON |
| State | MO |
| Zip | 63368-8547 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MONTICELLO VLG C LOT 77 |
| Legal Subdivision | MONTICELLO VLG C |
| Legal Lot Number | 77 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | WELDON SPRING |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 311151 |
Source: St. Charles County records, as of August 7, 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 | 7 DEMOCRACY CIR, O FALLON, MO 63368-8547 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 20, 2024 | Beneficiary Deed, Transfer |
| Oct 19, 2022 | Deed of Trust, Mortgage · Line of Credit US BANK NA |
| Feb 21, 2017 | Deed of Trust, Mortgage · Conventional Mortgage US BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 27, 2002 · Amount on Record |
| Deed Sale | Dec 27, 2002 · Amount on Record |
| Prior Sale | Oct 7, 1998 · Amount on Record |
| Deed Document Number | 2002133752 |
| Deed Book / Page | 3175 / 282 |
| Last Transfer Date | Feb 16, 2024 |
| Transfer Doc | 0000006391 |
| Record Updated | Sep 20, 2026 |
| Document Type | Beneficiary Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Feb 20, 2024 |
| Property Address | 7 DEMOCRACY CIR, O FALLON, MO 63368-8547 |
| Document Number | 0000006391 |
| Map Reference | MB 29 PG 93-96 |
| Instrument Date | Feb 16, 2024 |
| Instrument | 2024R-006391 |
| Transaction Type | Transfer |
| Record Updated | Mar 5, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 7 DEMOCRACY CIR, O FALLON, MO 63368-8547 |
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 7 DEMOCRACY CIR, O FALLON, MO 63368-8547 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 7 DEMOCRACY CIR, O FALLON, MO 63368-8547 |
| Transaction Type | Mortgage |
| Record Updated | Nov 1, 2022 |
| Title Company | RADIAN SETTLEMENT SVCS INC |
| Name | Verified Name |
|---|---|
| Address | 7 DEMOCRACY CIR, O FALLON, MO 63368-8547 |
| Document Number | 0000057060 |
|---|---|
| Date | Oct 19, 2022 |
| Instrument | 2022R-057060 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 358 Months |
| Due | Aug 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 7 DEMOCRACY CIR, O FALLON, MO 63368-8547 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0067011055 |
|---|---|
| Date | Feb 21, 2017 |
| Book Page | 6701/1055 |
| Instrument | 20170221000105330 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Mar 1, 2032 |
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | O'Fallon City |
| Unified School District | Fort Zumwalt R-II School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $56,278 (-) | $296,198 (-) Land $65,800 Building $230,398 | |
| 2025 | $3,678.00 (+4.31%) | $56,278 (+5.21%) | $296,198 (+5.21%) Land $65,800 Building $230,398 |
| 2024 | $3,526.00 | ||
| 2023 | $53,490 | ||
| 2022 | $281,528 Land $50,000 Building $231,528 |
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.
Source: FEMA National Flood Hazard Layer, effective August 25, 2024
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 95% of Missouri |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 382 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Wisper ISP Fixed Wireless | 400 / 30 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
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