7132 Oak Stream Dr, O Fallon, MO 63368 Property Records

St. Charles County property record for 7132 Oak Stream Dr, O Fallon, MO 63368

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,712 sqft · built 1991
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on Record
Last Sale	$451,225 (May 2026)
Tax Bill	$4,018 (2024)
Deeds & Mortgages	Dec 2025 Second Mortgage May 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`A902000253`

Property Details

APN / Parcel Number

Primary APN	`A902000253`
Alternative APN	`2-113A-6503-00-077B.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,712 sqft Living Area
Gross Area	3,366 sqft
1st Floor Area	1,040 sqft
Basement Area	936 sqft
Finished Basement	702 sqft
Unfinished Basement	234 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Architectural Style	Bi-Level
Exterior Material	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,712 sqft (0.2 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	32 sqft
Deck Area	Deck Area
Patio Area	660 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A902000253
Street Address	7132 OAK STREAM DR
City	O FALLON
State	MO
Zip	63368-8125
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TWIN CHIMNEYS VLG B LINDENWOOD LOT 77B
Legal Subdivision	TWIN CHIMNEYS VLG B LINDENWOOD
Legal Lot Number	77B
Jurisdiction	ST CHARLES MO
Township / Civil Division	BOONE
Census Block Group	1
Census Block	1022
Census Tract	311154

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	7132 OAK STREAM DR, O FALLON, MO 63368-8125
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Dec 26, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage CHAD MCWER
May 1, 2026	Warranty Deed, Transfer · FHA Mortgage PLAZA HOME MORTGAGE INC
Dec 9, 2025	Warranty Deed, Transfer CHAD MCIVER

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 1, 2026 · Amount on Record
Deed Sale	May 1, 2026 · Amount on Record
Prior Sale	Dec 9, 2025 · Amount on Record
Deed Document Number	202620374
Prior Transfer Date	Feb 28, 2020
Prior Transfer Doc	0000121760
Record Updated	Sep 20, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	7132 OAK STREAM DR, O FALLON, MO 63368-8125
Transaction Type	Mortgage
Record Updated	May 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	133 KEENE CT, SAINT CHARLES, MO 63303-5701

Mortgage

Document Number	0000057766
Date	Dec 26, 2025
Instrument	2025R-057766

Lender

Name	CHAD MCWER
Type	Private Party
Address	1500 HERITAGE MANOR CT, SAINT PETERS, MO 63303

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	May 1, 2026
Property Address	7132 OAK STREAM DR, O FALLON, MO 63368-8125
Document Number	0000020374
Instrument Date	Apr 29, 2026
Instrument	202620374
Transaction Type	Transfer
Record Updated	Aug 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	7132 OAK STREAM DR, O FALLON, MO 63368-8125

Mortgage

Document Number	0000020375,
Date	May 1, 2026
Instrument	202620375

Lender

Name	PLAZA HOME MORTGAGE INC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.22%
Max Rate	-1%

Mortgage

Document Number	0000020376,
Date	May 1, 2026
Instrument	202620376

Lender

Name	PLAZA HOME MORTGAGE INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	10 Months
Due	May 1, 2036

Interest

Rate	6.22%
Max Rate	-1%

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Dec 9, 2025
Property Address	7132 OAK STREAM DR, O FALLON, MO 63368-8125
Document Number	0000055278
Map Reference	MB 29 PG 47
Instrument Date	Dec 9, 2025
Instrument	2025R-055278
Transaction Type	Transfer
Record Updated	Dec 26, 2025
Title Company	VISION TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	42 RED CEDAR CT, SAINT CHARLES, MO 63303-6700

Mortgage

Document Number	0000055279
Date	Dec 9, 2025
Instrument	2025R-055279

Lender

Name	CHAD MCIVER
Type	Private Party

Agreement

Amount	Amount Recorded

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		$66,925 (-)	$352,239 (-) Land $65,000 Building $287,239
2025		$66,925 (+10.14%)	$352,239 (+10.14%) Building $352,239
2024	$4,018.00 (+17.69%)
2023		$60,762 (+26.69%)
2022	$3,414.00	$47,962	$319,802 (+26.69%) Land $45,000 Building $274,802
2021			$252,434 Land $35,000 Building $217,434

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	2 in force

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	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	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 466 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Gateway Fiber Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: i3 Broadband.

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