7 Quaint Cottage Ct, O Fallon, MO 63368 Property Records

St. Charles County property record for 7 Quaint Cottage Ct, O Fallon, MO 63368

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,457 sqft · built 1999
Lot Size	0.24 acres (10,454 sqft)
Owner	2 Individual Names on Record
Tax Bill	$5,300 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit Aug 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T001600291`

Property Details

APN / Parcel Number

Primary APN	`T001600291`
Alternative APN	`2-0129-8146-00-1347.0000000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,457 sqft Living Area
Gross Area	4,321 sqft
1st Floor Area	1,369 sqft
Basement Area	1,221 sqft
Finished Basement	855 sqft
Unfinished Basement	366 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Bi-Level
Exterior Material	Brick/Stone
Lot Area	10,454 sqft (0.24 acres)
Garage Type	Attached
Garage Area	498 sqft
Parking Spaces	2 Parking Spaces
Deck Area	Deck Area
Patio Area	374 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T001600291
Street Address	7 QUAINT COTTAGE CT
City	O FALLON
State	MO
Zip	63368-7173
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VLGS AT DARDENNE PRAIRIE VILLAS #3 UNIT 1347
Legal Subdivision	VLGS AT DARDENNE PRAIRIE VILLAS #3
Legal Lot Number	1347
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 August 7, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	7 QUAINT COTTAGE CT, O FALLON, MO 63368-7173
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 23, 2026	Deed of Trust, Mortgage · Line of Credit FIRST COMMUNITY CREDIT UNION
Aug 4, 2022	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
May 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 5, 2002
Deed Sale	Apr 5, 2002
Prior Sale	Oct 28, 1999 · Amount on Record
Deed Document Number	200232360
Deed Book / Page	2858 / 927
Last Transfer Date	Sep 5, 2024
Transfer Doc	0000037020
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Recording Date	Jun 23, 2026
Property Address	7 QUAINT COTTAGE CT, O FALLON, MO 63368-7173
Document Number	0000029298
Instrument Date	Jun 10, 2026
Instrument	202629298
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	TOUCHSTONE TITLE AND ABSTRACT, TOUCHSTONE TITLE & ABSTRACT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7 QUAINT COTTAGE CT, O FALLON, MO 63368-7173

Mortgage

Document Number	0000029298,
Date	Jun 23, 2026
Instrument	202629298

Lender

Name	FIRST COMMUNITY CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Jun 1, 2041

Interest

Rate	5.71%
Max Rate	-1%

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	7 QUAINT COTTAGE CT, O FALLON, MO 63368-7173
Transaction Type	Mortgage
Record Updated	Aug 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7 QUAINT COTTAGE CT, O FALLON, MO 63368-7173

Mortgage

Document Number	0000043337
Date	Aug 4, 2022
Instrument	2022R-043337

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28277

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 23, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	7 QUAINT COTTAGE CT, O FALLON, MO 63368-7173
Transaction Type	Mortgage
Record Updated	May 31, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7 QUAINT COTTAGE CT, O FALLON, MO 63368-7173

Mortgage

Document Number	2021R042799
Date	May 17, 2021
Instrument	2021R-042799

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2036

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of August 7, 2026

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
2026		$85,912 (+3.85%)	$452,169 (+3.85%) Land $75,000 Building $377,169
2025	$5,300.00	$82,724 (+4.59%)	$435,388 (+4.59%) Land $75,000 Building $360,388
2023		$79,090
2022			$416,261 Land $50,000 Building $366,261

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
Also Mapped Here	MO AMERICAN ST LOUIS ST CHARLES COUNTIES
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 327 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
i3 Broadband Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Gateway Fiber, Verizon.

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