St. Charles County property record for 820 Upland Loop, O Fallon, MO 63368
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 3,839 sqft · built 2022 |
| Lot Size | 0.345 acres (15,011 sqft) |
| Owner | Individual Name on File |
| Last Sale | $1,059,345 (Jun 2026) |
| Tax Bill | $10,504 (2025) |
| Deeds & Mortgages | Jun 2026 Sale & Mortgage Jan 2024 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | T222000039 |
| Primary APN | T222000039 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 3,839 sqft Living Area |
| Gross Area | 4,065 sqft |
| Basement Area | 1,312 sqft |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Architectural Style | Bi-Level |
| Exterior Material | Stone |
| Lot Area | 15,011 sqft (0.345 acres) |
| Parking Spaces | 3 Parking Spaces |
| Account Number | T222000039 |
|---|---|
| Street Address | 820 UPLAND LOOP |
| City | O FALLON |
| State | MO |
| Zip | 63368-6593 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | STREETS OF CALEDONIA #4 LOT 102 |
| Legal Subdivision | STREETS OF CALEDONIA #4 |
| Legal Lot Number | 102 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | BOONE |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 312207 |
Source: St. Charles County records · APN T222000039
Assessment roll updated August 13, 2025 · Last verified July 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 File |
|---|---|
| Mailing Address | 820 UPLAND LOOP, O FALLON, MO 63368-6593 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Couple |
| Date | Document |
|---|---|
| Jun 25, 2026 | Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK |
| Jan 08, 2024 | Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE |
| Feb 22, 2023 | Warranty Deed, Subdivision Related Transfer · VA Mortgage GENEVA FINANCIAL LLC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jun 25, 2026 · Amount on Record |
| Deed Sale | Jun 25, 2026 · Amount on Record |
| Prior Sale | Feb 22, 2023 |
| Deed Document Number | 202629808 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jun 25, 2026 |
| Property Address | 820 UPLAND LOOP, O FALLON, MO 63368-6593 |
| Document Number | 0000029808 |
| Instrument Date | Jun 24, 2026 |
| Instrument | 202629808 |
| Transaction Type | Transfer |
| Record Updated | Jul 07, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Estimated Sale Price |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 820 UPLAND LOOP, O FALLON, MO 63368-6593 |
| Document Number | 0000029809, |
|---|---|
| Date | Jun 25, 2026 |
| Instrument | 202629809 |
| Name | JPMORGAN CHASE BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 01, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.36% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 820 UPLAND LOOP, O FALLON, MO 63368-6593 |
| Transaction Type | Mortgage |
| Record Updated | Jan 23, 2024 |
| Name | Verified Name |
|---|---|
| Address | 820 UPLAND LOOP, O FALLON, MO 63368-6593 |
| Document Number | 0000000825 |
|---|---|
| Date | Jan 08, 2024 |
| Instrument | 2024R-000825 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2054 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Feb 22, 2023 |
| Property Address | 820 UPLAND LOOP, O FALLON, MO 63368-6593 |
| Document Number | 0000006550 |
| Map Reference | DOC 2021R-000319 |
| Instrument Date | Jan 30, 2023 |
| Instrument | 2023R-006550 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jan 17, 2024 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3940 OLYMPIC BLVD STE 400, 400, ERLANGER, KY 41018-3593 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 820 UPLAND LOOP, O FALLON, MO 63368-6593 |
| Document Number | 0000006551 |
|---|---|
| Date | Feb 22, 2023 |
| Instrument | 2023R-006551 |
| Name | GENEVA FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2053 |
Source: St. Charles County records · Assessment roll updated August 13, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | O'Fallon City |
| Unified School District | Wentzville R-IV School District (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $10,504.00 (-2.82%) | $158,823 (+944.89%) | $835,910 (+944.89%) Land $80,000 Building $755,910 |
| 2024 | $10,809.00 | ||
| 2023 | $15,200 | ||
| 2022 | $80,000 Land $80,000 |
Source: FEMA National Flood Hazard Layer as of August 25, 2024 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| Wildfire Risk | Low lower than 62% of the US · lower than 69% of Missouri |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Fiber · Cable in parts of the area | 1,000 / 1,000 |
| Wisper ISP Fixed Wireless | 400 / 30 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: AT&T, Brightspeed, Cable One.
Based on FCC filings for 175 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ST CHARLES COUNTY PWSD 2 serves 100,587 people |
|---|---|
| Water Source | Purchased surface water from ST LOUIS CITY PWS |
| Last State Inspection | Aug 2023 |
| Lead | 2 ppb (2026) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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