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

St. Charles County property record for 712 Cooper Way Dr, O Fallon, MO 63368

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,655 sqft · built 2003
Lot Size	0.19 acres (8,276 sqft)
Owner	2 Individual Names on Record
Last Sale	$400,000 (Oct 2021)
Tax Bill	$5,701 (2025)
Deeds & Mortgages	Sep 2022 Line of Credit Oct 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`T041600129`

Property Details

APN / Parcel Number

Primary APN	`T041600129`
Alternative APN	`3-157D-9331-00-0074.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,655 sqft Living Area
Gross Area	5,883 sqft
1st Floor Area	2,655 sqft
Basement Area	2,628 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Ranch
Exterior Material	Brick/Stone
Lot Area	8,276 sqft (0.19 acres)
Garage Type	Attached
Garage Area	600 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	56 sqft
Deck Area	456 sqft
Patio Area	456 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T041600129
Street Address	712 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 74
Legal Subdivision	MANORS OF FIELDSTONE FARMS
Legal Lot Number	74
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	712 COOPER WAY DR, O FALLON, MO 63368-8650
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 7, 2022	Deed of Trust, Mortgage · Line of Credit COMMERCE BANK
Oct 18, 2021	Warranty Deed, Transfer · Conventional Mortgage ENDEAVOR CAPITAL LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 18, 2021 · Amount on Record
Deed Sale	Oct 18, 2021 · Amount on Record
Prior Sale	Oct 21, 2013 · Amount on Record
Deed Document Number	202186092
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	712 COOPER WAY DR, O FALLON, MO 63368-8650
Transaction Type	Mortgage
Record Updated	Sep 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	712 COOPER WAY DR, O FALLON, MO 63368-8650

Mortgage

Document Number	0000049423
Date	Sep 7, 2022
Instrument	2022R-049423

Lender

Name	COMMERCE BANK
Type	Bank
Address	KANSAS CITY, MO 64106

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Sep 1, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Oct 18, 2021
Property Address	712 COOPER WAY DR, O FALLON, MO 63368-8650
Document Number	2021R086092
Map Reference	MB 40 PG 54
Instrument Date	Oct 12, 2021
Instrument	2021R-086092
Transaction Type	Transfer
Record Updated	Nov 1, 2021
Title Company	INVESTORS TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11300 WILSHIRE AVE NE, 11300, ALBUQUERQUE, NM 87122-1570

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	712 COOPER WAY DR, O FALLON, MO 63368-8650

Mortgage

Document Number	2021R086093
Date	Oct 18, 2021
Instrument	2021R-086093

Lender

Name	ENDEAVOR CAPITAL LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

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		$89,642 (-)	$471,799 (-) Building $471,799
2025	$5,701.00	$89,642 (+8.39%)	$471,799 (+8.39%)
2023		$82,704
2022			$435,284 Land $60,000 Building $375,284

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 96% of the US · lower than 94% 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
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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