704 Cooper Way Dr, O Fallon, MO 63368 Property Records

St. Charles County property record for 704 Cooper Way Dr, O Fallon, MO 63368

Property Summary

Property Type	Single Family Home
Details	4 bd · 5 ba · 3,166 sqft · built 2006
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on Record
Last Sale	$650,000 (Dec 2023)
Tax Bill	$6,434 (2025)
Deeds & Mortgages	Sep 2021 Construction Loan Nov 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T041600125`

Property Details

APN / Parcel Number

Primary APN	`T041600125`
Alternative APN	`3-157D-9331-00-0070.0000000`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	4,650 sqft Living Area
Gross Area	5,939 sqft
1st Floor Area	3,166 sqft
Basement Area	2,052 sqft
Finished Basement	1,484 sqft
Unfinished Basement	568 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Ranch
Exterior Material	Brick/Stone
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Attached
Garage Area	721 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	50 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T041600125
Street Address	704 COOPER WAY DR
City	O FALLON
State	MO
Zip	63368-8650
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MANORS OF FIELDSTONE FARM LOT 70
Legal Subdivision	MANORS OF FIELDSTONE FARMS
Legal Lot Number	70
Jurisdiction	ST CHARLES MO
Township / Civil Division	WELDON SPRING
Census Block Group	4
Census Block	4034
Census Tract	311151

Owner

Source: St. Charles County records, as of September 10, 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 COOPER WAY DR, O FALLON, MO 63368-8650
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 17, 2021	Deed of Trust, Mortgage · Construction Mortgage MIDWEST REGIONAL BANK
Nov 7, 2022	Deed of Trust, Mortgage · Line of Credit MIDWEST REGIONAL BANK
Dec 15, 2023	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 15, 2023 · Amount on Record
Deed Sale	Dec 15, 2023 · Amount on Record
Prior Sale	Nov 2, 2006 · Amount on Record
Deed Document Number	202350980
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	704 COOPER WAY DR, O FALLON, MO 63368-8650
Transaction Type	Mortgage
Record Updated	Jan 17, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	704 COOPER WAY DR, O FALLON, MO 63368-8650

Mortgage

Document Number	0000078223
Date	Sep 17, 2021
Instrument	2021R-078223

Lender

Name	MIDWEST REGIONAL BANK
Type	Bank
Address	FESTUS, MO 63028

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	704 COOPER WAY DR, O FALLON, MO 63368-8650
Transaction Type	Mortgage
Record Updated	Jan 17, 2024
Title Company	ACCOMODATION, ACCOMMODATION

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	704 COOPER WAY DR, O FALLON, MO 63368-8650

Mortgage

Document Number	0000060267
Date	Nov 7, 2022
Instrument	2022R-060267

Lender

Name	MIDWEST REGIONAL BANK
Type	Bank
Address	FESTUS, MO 63028

Agreement

Type	Line of Credit
Amount	Amount Recorded

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Dec 15, 2023
Property Address	704 COOPER WAY DR, O FALLON, MO 63368-8650
Document Number	0000050980
Map Reference	MB 40 PG 54-56
Instrument Date	Dec 12, 2023
Instrument	2023R-050980
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	INVESTORS TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	17447 WILD HORSE CREEK RD, CHESTERFIELD, MO 63005-1204

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	704 COOPER WAY DR, O FALLON, MO 63368-8650

Mortgage

Document Number	0000050981
Date	Dec 15, 2023
Instrument	2023R-050981

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2054

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	Francis Howell R-III School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$101,260 (-)	$532,947 (-) Land $80,000 Building $452,947
2025	$6,434.00	$101,260 (+14.15%)	$532,947 (+14.15%) Land $80,000 Building $452,947
2023		$88,705
2022			$466,867 Land $60,000 Building $406,867

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 98% of the US · lower than 96% of Missouri
Wildfire Likelihood	Under 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.

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

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Gateway Fiber, i3 Broadband, Wisper ISP.

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