704 Sunset Hills Dr, O Fallon, MO 63366 Property Records

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

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 4,276 sqft · built 1998
Lot Size	0.29 acres (12,632 sqft)
Owner	2 Individual Names on File
Last Sale	$345,000 (Jun 2018)
Tax Bill	$6,068 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Jul 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`A982000353`

Property Details

APN / Parcel Number

Primary APN	`A982000353`
Alternative APN	`2-0060-7760-00-0248.0000000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	4,276 sqft Living Area
Gross Area	5,484 sqft
1st Floor Area	2,996 sqft
Basement Area	1,948 sqft
Finished Basement	1,280 sqft
Unfinished Basement	668 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Ranch
Exterior Material	Brick/Stone
Lot Area	12,632 sqft (0.29 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	540 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	65 sqft
Deck Area	Deck Area
Patio Area	734 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	A982000353
Street Address	704 SUNSET HILLS DR
City	O FALLON
State	MO
Zip	63366-5591
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AE9
Legal Description	TURTLE CREEK #4 LOT 248
Legal Subdivision	TURTLE CREEK #4
Legal Lot Number	248
Jurisdiction	ST CHARLES MO
Township / Civil Division	LAKE ST. LOUIS
Census Block Group	2
Census Block	2008
Census Tract	311712

Owner

704 Sunset Hills Dr is owned and occupied by two individuals who bought it in June 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	704 SUNSET HILLS DR, O FALLON, MO 63366-5591
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Jun 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage CAPGROW HOME MORTGAGE LLC
Jul 15, 2019	Deed of Trust, Mortgage · Conventional Mortgage CAPGROW HOME MORTGAGE LLC
May 30, 2018	Deed of Trust, Mortgage · Conventional Mortgage HOMESITE MORTGAGE LLC
Jun 4, 2018	Warranty Deed, Transfer · Conventional Mortgage CAPGROW HOME MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 4, 2018 · Amount on File
Deed Sale	Jun 4, 2018 · Amount on File
Prior Sale	Aug 26, 2013 · Amount on File
Deed Document Number	2018308280
Deed Book / Page	6928 / 1443
Prior Transfer Date	Dec 21, 2009
Prior Transfer Doc	0053132252
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	704 SUNSET HILLS DR, O FALLON, MO 63366-5591
Transaction Type	Mortgage
Record Updated	Jun 22, 2021
Title Company	TOUCHSTONE TITLE AND ABSTRACT, TOUCHSTONE TITLE & ABSTRACT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	704 SUNSET HILLS DR, O FALLON, MO 63366-5591

Mortgage

Document Number	2021R048646
Date	Jun 8, 2021
Instrument	2021R-048646

Lender

Name	CAPGROW HOME MORTGAGE LLC
Type	Mortgage Company
Address	CHESTERFIELD, MO 63017

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	704 SUNSET HILLS DR, O FALLON, MO 63366-5591
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TOUCHSTONE TITLE & ABSTRACT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0071050225
Date	Jul 15, 2019
Book Page	7105/0225
Instrument	20190715000357460

Lender

Name	CAPGROW HOME MORTGAGE LLC
Type	Mortgage Company
Address	CHESTERFIELD, MO 63017

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2049

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	704 SUNSET HILLS DR, O FALLON, MO 63366-5591
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0069251686
Date	May 30, 2018
Book Page	6925/1686
Instrument	20180530000296130

Lender

Name	HOMESITE MORTGAGE LLC
Type	Mortgage Company
Address	UTICA, MI 48315

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	7 Months
Due	Dec 1, 2018

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jun 4, 2018
Property Address	704 SUNSET HILLS DR, O FALLON, MO 63366-5591
Document Number	0069281443
Book / Page	6928 / 1443
Map Reference	MB 34 PG 142-144
Instrument Date	May 31, 2018
Instrument	20180604000308280
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	TITLE PARTNERS AGENCY LLC

Transaction

Amount	Amount on Record
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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	704 SUNSET HILLS DR, O FALLON, MO 63366-5591

Mortgage

Document Number	20180604000308290
Date	Jun 4, 2018
Instrument	20180604000308290

Lender

Name	CAPGROW HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 704 Sunset Hills Dr was $6,068, up 6.2% from the year before.

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		$94,797 (-)	$498,930 (-) Land $80,002 Building $418,928
2025	$6,068.00 (+6.23%)	$94,797	$498,930 Land $80,002 Building $418,928
2024	$5,712.00
2023		$86,638
2022			$455,989 Land $65,000 Building $390,989

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

FEMA maps place 704 Sunset Hills Dr in Zone X, an area of minimal flood risk, though there have been 22 flood claims nearby since 1981.

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	9 in force
Nearby Flood Claims	22 (1981–2022)
Claims Outside the SFHA	6 of 22
Most Recent Claim	Jul 2022 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Jul 2022 · 3 claims Severe Storms, Tornadoes, And Flooding, May 2019 · 2 claims Severe Storms & Flooding, Jul 1993 · 5 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

Wildfire risk around 704 Sunset Hills Dr is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 95% of Missouri
Wildfire Likelihood	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
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 446 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Brightspeed, Gateway Fiber.

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