71 Bay Brook Ct, O Fallon, MO 63366 Property Records

St. Charles County property record for 71 Bay Brook Ct, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,560 sqft · built 2017
Lot Size	0.298 acres (12,981 sqft)
Owner	2 Individual Names on Record
Last Sale	$383,000 (Mar 2020)
Tax Bill	$6,190 (2025)
Deeds & Mortgages	Oct 2025 Line of Credit Mar 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`T160300054`

Property Details

APN / Parcel Number

Primary APN	`T160300054`
Alternative APN	`2-0049-C290-00-0509.0000000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,560 sqft Living Area
Basement Area	2,560 sqft

Exterior

Year Built	Built 2017
Architectural Style	Ranch
Exterior Material	Brick/Stone
Lot Area	12,981 sqft (0.298 acres)
Garage Type	Attached
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	T160300054
Street Address	71 BAY BROOK CT
City	O FALLON
State	MO
Zip	63366-5057
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BROOKSIDE VLG B #2-B LOT 509
Legal Range	02E
Legal Township	47N
Legal Subdivision	BROOKSIDE VLG B #2-B
Legal Lot Number	509
Jurisdiction	ST CHARLES MO
Township / Civil Division	WENTZVILLE
Census Block Group	2
Census Block	2017
Census Tract	312095

Owner

Source: St. Charles County records, as of March 16, 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	71 BAY BROOK CT, O FALLON, MO 63366-5057
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 14, 2025	Deed of Trust, Mortgage · Line of Credit US BANK NA
Mar 3, 2022	Deed of Trust, Mortgage · Conventional Mortgage FIRST HORIZON BANK
Mar 6, 2020	Warranty Deed, Transfer DAS ACQUISITION
Sep 5, 2017	Warranty Deed, Subdivision Related Transfer · Line of Credit WEST COMMUNITY CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 6, 2020 · Amount on Record
Deed Sale	Mar 6, 2020 · Amount on Record
Prior Sale	Sep 5, 2017 · Amount on Record
Deed Document Number	0072431576
Deed Book / Page	7243 / 1576
Record Updated	Jun 8, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	71 BAY BROOK CT, O FALLON, MO 63366-5057
Transaction Type	Mortgage
Record Updated	Oct 28, 2025
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	71 BAY BROOK CT, O FALLON, MO 63366-5057

Mortgage

Document Number	0000045461
Date	Oct 14, 2025
Instrument	2025R-045461

Lender

Name	US BANK NA
Type	Bank
Address	HOPKINS, MN 55343

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 4, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	71 BAY BROOK CT, O FALLON, MO 63366-5057
Transaction Type	Mortgage
Record Updated	Mar 16, 2022
Title Company	TITLE PARTNERS AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	71 BAY BROOK CT, O FALLON, MO 63366-5057

Mortgage

Document Number	0000012539
Date	Mar 3, 2022
Instrument	2022R-012539

Lender

Name	FIRST HORIZON BANK
Type	Bank
Address	MEMPHIS, TN 38103

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2052

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Mar 6, 2020
Property Address	71 BAY BROOK CT, O FALLON, MO 63366-5057
Document Number	0072431576
Book / Page	007243 / 001576
Instrument Date	Feb 24, 2020
Instrument	138510
Transaction Type	Transfer
Record Updated	Jun 26, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	71 BAY BROOK CT O FALLON MO 633665057, O FALLON, MO 63366-5057

Mortgage

Document Number	72431578
Date	Mar 6, 2020
Book Page	007243/001578
Instrument	138520

Lender

Name	DAS ACQUISITION
Address	SAINT LOUIS, MO 63141

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Mar 5, 2050

September 2017: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Sep 5, 2017
Property Address	71 BAY BROOK CT, O FALLON, MO 63366-5057
Document Number	0068011755
Book / Page	6801 / 1755
Map Reference	MB 48 PG 233
Instrument Date	Aug 31, 2017
Instrument	20170905000555510
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 9, 2021
Title Company	CONTINENTAL TITLE

Transaction

Amount	Amount Recorded
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
Address	2299 TECHNOLOGY DR, 2299, O FALLON, MO 63368-7341

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	71 BAY BROOK CT, O FALLON, MO 63366-5057

Mortgage

Document Number	20170905000555520
Date	Sep 5, 2017
Instrument	20170905000555520

Lender

Name	WEST COMMUNITY CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Sep 1, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of July 1, 2025

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
2025	$6,190.00	$99,523 (+13.79%)	$523,804 (+13.79%) Land $70,000 Building $453,804
2023		$87,463
2022			$460,334 Land $50,000 Building $410,334

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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	2 (2019–2022)
Most Recent Claim	Jul 2022 · Severe Storms And Flooding

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 67% of the US · lower than 78% of Missouri
Wildfire Likelihood	0.03% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 337 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

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