846 Upland Loop, O Fallon, MO 63368 Property Records

St. Charles County property record for 846 Upland Loop, O Fallon, MO 63368

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,341 sqft · built 2021
Lot Size	0.207 acres (8,999 sqft)
Owner	2 Individual Names on Record
Last Sale	$843,386 (May 2026)
Tax Bill	$8,280 (2025)
Deeds & Mortgages	May 2026 Sale & Mortgage Dec 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`T222000050`

Property Details

APN / Parcel Number

Primary APN	`T222000050`
Alternative APN	`4-0068-D028-00-0113.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	3,341 sqft Living Area
Gross Area	4,935 sqft
1st Floor Area	1,747 sqft
Basement Area	1,594 sqft

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Architectural Style	Bi-Level
Exterior Material	Stone
Lot Area	8,999 sqft (0.207 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Account Number	T222000050
Street Address	846 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 113
Legal Subdivision	STREETS OF CALEDONIA #4
Legal Lot Number	113
Jurisdiction	ST CHARLES MO
Township / Civil Division	BOONE
Census Block Group	2
Census Block	2010
Census Tract	312207

Owner

Source: St. Charles County records, as of May 27, 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	846 UPLAND LOOP, O FALLON, MO 63368-6593
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
May 14, 2026	Warranty Deed, Transfer · Conventional Mortgage AMERICAN MORTGAGE CORPORATION
Dec 29, 2021	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 14, 2026 · Amount on Record
Deed Sale	May 14, 2026 · Amount on Record
Prior Sale	Dec 29, 2021 · Amount on Record
Deed Document Number	202622710
Record Updated	Sep 20, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	May 14, 2026
Property Address	846 UPLAND LOOP, O FALLON, MO 63368-6593
Document Number	0000022710
Instrument Date	May 11, 2026
Instrument	202622710
Transaction Type	Transfer
Record Updated	Aug 6, 2026
Title Company	LEADERS TITLE

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	846 UPLAND LOOP, O FALLON, MO 63368-6593

Mortgage

Document Number	0000022711,
Date	May 14, 2026
Instrument	202622711

Lender

Name	AMERICAN MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.46%
Initial Type	Fixed Rate
Max Rate	-1%

December 2021: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Dec 29, 2021
Property Address	846 UPLAND LOOP, O FALLON, MO 63368-6593
Document Number	0000104070
Map Reference	DOC 2021R-000319
Instrument Date	Dec 27, 2021
Instrument	2021R-104070
Transaction Type	Subdivision Related Transfer
Record Updated	Oct 4, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	846 UPLAND LOOP, O FALLON, MO 63368-6593
Investor	Possibly a Property Investor

Mortgage

Document Number	0000104071
Date	Dec 29, 2021
Instrument	2021R-104071

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of August 13, 2025

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Municipality	O'Fallon City
Unified School District	Wentzville R-IV School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,280.00 (+9.21%)	$125,067 (+12.45%)	$658,246 (+12.45%) Land $80,000 Building $578,246
2024	$7,582.00
2023		$111,224
2022			$585,386 Land $80,000 Building $505,386

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 67% of the US · lower than 78% of Missouri
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

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

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, Sparklight.

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