712 Trudy Ln, O Fallon, MO 63366 Property Records

St. Charles County property record for 712 Trudy Ln, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,416 sqft · built 1980
Lot Size	0.207 acres (9,000 sqft)
Owner	Individual Name on File
Last Sale	$161,300 (Dec 2020)
Tax Bill	$2,325 (2025)
Deeds & Mortgages	Jan 2026 Second Mortgage Sep 2023 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`237800A000`

Property Details

APN / Parcel Number

Primary APN	`237800A000`
Alternative APN	`2-051B-4970-00-0181.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,416 sqft Living Area
Gross Area	1,887 sqft
1st Floor Area	768 sqft
Basement Area	720 sqft
Finished Basement	648 sqft
Unfinished Basement	72 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Bi-Level
Exterior Material	Wood
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	399 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	30 sqft
Deck Area	Deck Area
Patio Area	355 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	237800A000
Street Address	712 TRUDY LN
City	O FALLON
State	MO
Zip	63366-1856
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AE9
Legal Description	WILLOW RUN LOT 181
Legal Subdivision	WILLOW RUN
Legal Lot Number	181
Jurisdiction	ST CHARLES MO
Township / Civil Division	O'FALLON
Census Block Group	4
Census Block	4008
Census Tract	311602

Owner

712 Trudy Ln is owned and occupied by an individual who bought it in December 2020.

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

Owner of Record	Individual Name on File
Mailing Address	712 TRUDY LN, O FALLON, MO 63366-1856
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
Jan 7, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage COMMERCE BANK
Sep 7, 2023	Deed of Trust, Mortgage · Commercial Mortgage COMMERCE BANK
Feb 22, 2022	Beneficiary Deed, Transfer
Feb 22, 2022	Intrafamily Transfer, Transfer
Dec 23, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage THE HOME LOAN EXPERT LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 23, 2020 · Amount on File
Deed Sale	Dec 23, 2020 · Amount on File
Deed Document Number	2020101364
Prior Transfer Date	Nov 8, 2015
Prior Transfer Doc	0000797540
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	712 TRUDY LN, O FALLON, MO 63366-1856
Transaction Type	Mortgage
Record Updated	Jan 22, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	712 TRUDY LN, O FALLON, MO 63366-1856

Mortgage

Document Number	0000000955
Date	Jan 7, 2026
Instrument	2026R-000955

Lender

Name	COMMERCE BANK
Type	Bank
Address	KANSAS CITY, MO 64106

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	23 Months
Due	Dec 24, 2027

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	712 TRUDY LN, O FALLON, MO 63366-1856
Transaction Type	Mortgage
Record Updated	Sep 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	712 TRUDY LN, O FALLON, MO 63366-1856

Mortgage

Document Number	0000036735
Date	Sep 7, 2023
Instrument	2023R-036735

Lender

Name	COMMERCE BANK
Type	Bank
Address	KANSAS CITY, MO 64106

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	143 Months
Due	Aug 3, 2035

February 2022: Beneficiary Deed, Transfer

Document Type	Beneficiary Deed
Jurisdiction	ST CHARLES MO
Recording Date	Feb 22, 2022
Property Address	712 TRUDY LN, O FALLON, MO 63366-1856
Document Number	0000010150
Map Reference	MB 16 PG 2
Instrument Date	Feb 18, 2022
Instrument	2022R-010150
Transaction Type	Transfer
Record Updated	Mar 7, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	712 TRUDY LN, O FALLON, MO 63366-1856

February 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Feb 22, 2022
Property Address	712 TRUDY LN, O FALLON, MO 63366-1856
Document Number	0000010149
Map Reference	MB 16 PG 2
Instrument Date	Feb 18, 2022
Instrument	2022R-010149
Transaction Type	Transfer
Record Updated	Mar 7, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	712 TRUDY LN, O FALLON, MO 63366-1856

December 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Dec 23, 2020
Property Address	712 TRUDY LN, O FALLON, MO 63366-1856
Document Number	0000101364
Map Reference	MB 16 PG 2
Instrument Date	Dec 18, 2020
Instrument	2020R-101364
Transaction Type	Transfer
Record Updated	Mar 7, 2022

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	712 TRUDY LN, O FALLON, MO 63366-1856

Mortgage

Document Number	0000101365
Date	Dec 23, 2020
Instrument	2020R-101365

Lender

Name	THE HOME LOAN EXPERT LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jan 1, 2036

Tax Assessment & Valuation

The 2025 property tax bill for 712 Trudy Ln was $2,325.

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		$35,921 (-)	$189,057 (-) Building $189,057
2025	$2,325.00	$35,921	$189,057
2023		$34,611
2022			$182,162 Land $40,000 Building $142,162

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 712 Trudy Ln in Zone X, an area of minimal flood risk.

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

The area around 712 Trudy Ln has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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 439 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
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Brightspeed, Wisper ISP.

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