704 Darby Dr, O Fallon, MO 63366 Property Records

St. Charles County property record for 704 Darby Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,040 sqft · built 1960
Lot Size	0.207 acres (9,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$237,000 (Oct 2022)
Tax Bill	$2,694 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Oct 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`232680A000`

Property Details

APN / Parcel Number

Primary APN	`232680A000`
Alternative APN	`2-056B-4301-00-0070.0000000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,040 sqft Living Area
Gross Area	2,392 sqft
1st Floor Area	1,040 sqft
Basement Area	1,040 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,000 sqft (0.207 acres)
Lot Dimensions	120 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	312 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	108 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	232680A000
Street Address	704 DARBY DR
City	O FALLON
State	MO
Zip	63366-2716
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AE9
Legal Description	HILLTOP MANOR #1 LOT 70
Legal Subdivision	HILLTOP MANOR #1
Legal Lot Number	70
Jurisdiction	ST CHARLES MO
Township / Civil Division	O'FALLON
Census Block Group	1
Census Block	1008
Census Tract	311602

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 DARBY DR, O FALLON, MO 63366-2716
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO
Oct 5, 2022	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
Oct 5, 2020	Warranty Deed, Transfer GUILD MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 5, 2022 · Amount on Record
Deed Sale	Oct 5, 2022 · Amount on Record
Prior Sale	Oct 5, 2020 · Amount on Record
Deed Document Number	202254758
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	704 DARBY DR, O FALLON, MO 63366-2716
Transaction Type	Mortgage
Record Updated	Jan 17, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	704 DARBY DR, O FALLON, MO 63366-2716

Mortgage

Document Number	0000013664
Date	Feb 16, 2021
Instrument	2021R-013664

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	356 Months
Due	Oct 1, 2050

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Oct 5, 2022
Property Address	704 DARBY DR, O FALLON, MO 63366-2716
Document Number	0000054758
Map Reference	MB 7 PG 59
Instrument Date	Oct 3, 2022
Instrument	2022R-054758
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	NOT AVAILABLE, UST

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	704 DARBY DR, O FALLON, MO 63366-2716

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	704 DARBY DR, O FALLON, MO 63366-2716

Mortgage

Document Number	0000054759
Date	Oct 5, 2022
Instrument	2022R-054759

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Oct 5, 2020
Property Address	704 DARBY DR, O FALLON, MO 63366-2716
Document Number	0000074646
Instrument Date	Sep 28, 2020
Instrument	74646
Transaction Type	Transfer
Record Updated	Apr 20, 2021
Title Company	FREEDOM TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	704 DARBY DR O FALLON MO 633662716, O FALLON, MO 63366-2716

Mortgage

Document Number	13664
Date	Oct 5, 2020
Instrument	13664

Lender

Name	GUILD MTG
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 4, 2050

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		$41,730 (-)	$219,633 (-) Building $219,633
2025	$2,694.00	$41,730 (+8.12%)	$219,633 (+8.12%)
2023		$38,596
2022			$203,138 Building $203,138

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	23 (1981–2022)
Claims Outside the SFHA	2 of 23
Most Recent Claim	Jul 2022 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Jul 2022 · 2 claims Severe Storms, Flooding, And A Tornado, Sep 2008 · 3 claims Severe Storms & Flooding, Aug 1993 · 8 claims

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	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	OFALLON PWS serves 32,515 people · EPA ID MO6010588
Water Source	Purchased surface water from several systems
Last State Inspection	Aug 2024
Lead	2 ppb (2023–2025) 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 261 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Gateway Fiber Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: T-Mobile, Wisper ISP.

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