704 Caldera Ct, O Fallon, MO 63368 Property Records

St. Charles County property record for 704 Caldera Ct, O Fallon, MO 63368

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,292 sqft · built 1999
Lot Size	0.27 acres (11,761 sqft)
Owner	2 Individual Names on Record
Last Sale	$156,845 (Dec 1999)
Tax Bill	$4,411 (2025)
Deeds & Mortgages	Sep 2026 Transfer Jun 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T001700013`

Property Details

APN / Parcel Number

Primary APN	`T001700013`
Alternative APN	`4-0036-8108-00-0043.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,292 sqft Living Area
Gross Area	3,957 sqft
1st Floor Area	1,219 sqft
Basement Area	1,195 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	11,761 sqft (0.27 acres)
Garage Type	Attached
Garage Area	470 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	120 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T001700013
Street Address	704 CALDERA CT
City	O FALLON
State	MO
Zip	63368-7077
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	KEYSTONE CROSSING #2 LOT 43
Legal Subdivision	KEYSTONE CROSSING #2
Legal Lot Number	43
Jurisdiction	ST CHARLES MO
Township / Civil Division	LAKE ST. LOUIS
Census Block Group	1
Census Block	1013
Census Tract	311153

Owner

Source: St. Charles County records, as of September 29, 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	704 CALDERA CT, O FALLON, MO 63368-7077
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 18, 2026	Transfer on Death Deed, Transfer NONE LISTED ON DOCUMENT
Jun 29, 2022	Deed of Trust, Mortgage · Conventional Mortgage ARVEST BANK
Feb 18, 2020	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FIRST COMMUNITY CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 10, 1999 · Amount on Record
Deed Sale	Dec 10, 1999 · Amount on Record
Deed Document Number	199997406
Deed Book / Page	2340 / 757
Last Transfer Date	Sep 18, 2026
Transfer Doc	0000044597
Record Updated	Oct 29, 2026

September 2026: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	ST CHARLES MO
Recording Date	Sep 18, 2026
Property Address	704 CALDERA CT, O FALLON, MO 63368-7077
Document Number	0000044597
Instrument Date	Sep 18, 2026
Instrument	202644597
Transaction Type	Transfer
Record Updated	Sep 29, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	704 CALDERA CT, O FALLON, MO 63368-7077

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	704 CALDERA CT, O FALLON, MO 63368-7077
Transaction Type	Mortgage
Record Updated	Jul 13, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	704 CALDERA CT, O FALLON, MO 63368-7077

Mortgage

Document Number	0000036334
Date	Jun 29, 2022
Instrument	2022R-036334

Lender

Name	ARVEST BANK
Type	Bank
Address	LOWELL, AR 72745

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jul 1, 2037

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	704 CALDERA CT, O FALLON, MO 63368-7077
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CLEAR TITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0072320888
Date	Feb 18, 2020
Book Page	7232/0888
Instrument	20200218000096730

Lender

Name	FIRST COMMUNITY CU
Type	Credit Union
Address	CHESTERFIELD, MO 63005

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Feb 15, 2030

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Unified School District	Wentzville R-IV School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$71,090 (-)	$374,159 (-) Land $77,000 Building $297,159
2025	$4,411.00	$71,090 (+4.27%)	$374,159 (+4.27%) Land $77,000 Building $297,159
2023		$68,177
2022			$358,826 Building $358,826

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	2 (2006–2008)
Claims Outside the SFHA	2 of 2
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 80% of the US · lower than 84% of Missouri
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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 157 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber · Cable in parts of the area	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30
Verizon Fixed Wireless	300 / 20

May also be available: Gateway Fiber, i3 Broadband, Sparklight, T-Mobile.

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