7 Keystone Ridge Ct, O Fallon, MO 63366 Property Records

St. Charles County property record for 7 Keystone Ridge Ct, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,204 sqft · built 2018
Lot Size	0.439 acres (19,123 sqft)
Owner	2 Individual Names on Record
Last Sale	$372,393 (Sep 2018)
Tax Bill	$5,313 (2025)
Deeds & Mortgages	May 2022 Sale Jun 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T180200098`

Property Details

APN / Parcel Number

Primary APN	`T180200098`
Alternative APN	`2-0048-C585-00-0051.0000000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	3,204 sqft Living Area
Basement Area	1,482 sqft

Exterior

Year Built	Built 2018
Exterior Material	Brick/Stone
Lot Area	19,123 sqft (0.439 acres)
Garage Type	Attached
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	T180200098
Street Address	7 KEYSTONE RIDGE CT
City	O FALLON
State	MO
Zip	63366-5095
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	KEYSTONE RIDGE LOT 51
Legal Range	02E
Legal Township	47N
Legal Subdivision	KEYSTONE RIDGE
Legal Lot Number	51
Jurisdiction	ST CHARLES MO
Township / Civil Division	WENTZVILLE
Census Block Group	3
Census Block	3085
Census Tract	312095

Owner

Source: St. Charles County records, as of March 16, 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 KEYSTONE RIDGE CT, O FALLON, MO 63366-5095
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 26, 2022	Beneficiary Deed, Transfer
Jun 3, 2020	Deed of Trust, Mortgage BUSEY BK
Sep 21, 2018	Special Warranty Deed, Transfer · Conventional Mortgage BUSEY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 21, 2018 · Amount on Record
Deed Sale	Sep 21, 2018 · Amount on Record
Deed Document Number	0069801504
Deed Book / Page	6980 / 1504
Record Updated	Jun 8, 2026

May 2022: Beneficiary Deed, Transfer

Document Type	Beneficiary Deed
Jurisdiction	ST CHARLES MO
Recording Date	May 26, 2022
Property Address	7 KEYSTONE RIDGE CT, O FALLON, MO 63366-5095
Document Number	0000030052
Instrument Date	Mar 14, 2022
Instrument	2022R-030052
Transaction Type	Transfer
Record Updated	Jun 7, 2022

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	2714 N RUTGERS ST, WICHITA, KS 67205-2072

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	7 KEYSTONE RIDGE CT, O FALLON, MO 63366-5095
Document Number	0073160302
Instrument Date	Jun 3, 2020
Transaction Type	Mortgage
Record Updated	Aug 12, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	7 KEYSTONE RIDGE CT O FALLON MO 633665095, O FALLON, MO 63366-5095

Mortgage

Document Number	0073160302
Date	Jun 9, 2020
Book Page	007316/000302
Instrument	386730

Lender

Name	BUSEY BK
Type	Bank
Address	CHAMPAIGN, IL 61820

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 8, 2050

September 2018: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Sep 21, 2018
Property Address	7 KEYSTONE RIDGE CT, O FALLON, MO 63366-5095
Document Number	0069801504
Book / Page	6980 / 1504
Map Reference	MB 49 PG 332
Instrument Date	Sep 20, 2018
Instrument	20180921000544290
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	TITLE PARTNERS AGENCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	16091 SWINGLEY RIDGE RD # RD300, 16091, CHESTERFIELD, MO 63017-2005

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7 KEYSTONE RIDGE CT, WENTZVILLE, MO 63385

Mortgage

Document Number	20180921000544300
Date	Sep 21, 2018
Instrument	20180921000544300

Lender

Name	BUSEY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2048

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Municipality	O'Fallon City
Unified School District	Wentzville R-IV School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,313.00	$85,329 (-5.15%)	$449,100 (-5.15%) Land $50,000 Building $399,100
2023		$89,961
2022			$473,479 Land $50,000 Building $423,479

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 6 (20% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (2022)
Most Recent Claim	Jul 2022 · Severe Storms And Flooding

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 62% of the US · lower than 67% of Missouri
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 82 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: Brightspeed, Verizon, Wisper ISP.

Cell Coverage

5G (outdoors only) and 4G LTE

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