865 Bluff Brook Dr, O Fallon, MO 63366 Property Records

St. Charles County property record for 865 Bluff Brook Dr, O Fallon, MO 63366 · Last verified March 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,004 sqft · built 2017
Lot Size	0.271 acres (11,848 sqft)
Owner	Individual Name on File
Last Sale	$439,225 (Feb 2018)
Tax Bill	$5,477 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Sep 2019 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`T170300023`

Property Details

APN / Parcel Number

Primary APN	`T170300023`
Alternative APN	`2-0049-C326-00-0732.0000000`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,004 sqft Living Area
Basement Area	1,352 sqft

Exterior

Year Built	Built 2017
Exterior Material	Brick/Stone
Lot Area	11,848 sqft (0.271 acres)
Garage Type	Attached
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	T170300023
Street Address	865 BLUFF BROOK DR
City	O FALLON
State	MO
Zip	63366-5066
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BROOKSIDE VLG C #2 LOT 732
Legal Range	02E
Legal Township	47N
Legal Subdivision	BROOKSIDE VLG C #2
Legal Lot Number	732
Jurisdiction	ST CHARLES MO
Township / Civil Division	WENTZVILLE
Census Block Group	2
Census Block	2017
Census Tract	312095

Owner

Source: St. Charles County records · APN T170300023

Assessment roll updated July 1, 2025 · Last verified March 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
Co-owner	Verified Secondary Owner
Mailing Address	865 BLUFF BROOK DR, O FALLON, MO 63366-5066
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO
Sep 18, 2019	Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO
Oct 17, 2017	Deed of Trust, Mortgage · Construction Mortgage MIDWEST REGIONAL BANK
May 07, 2020	Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO
Feb 15, 2018	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage CORNERSTONE MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Feb 15, 2018 · Amount on Record
Deed Sale	Feb 15, 2018 · Amount on Record
Deed Document Number	0068791599
Deed Book / Page	6879 / 1599
Record Updated	Jun 08, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	865 BLUFF BROOK DR, O FALLON, MO 63366-5066
Transaction Type	Mortgage
Record Updated	Apr 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	865 BLUFF BROOK DR, O FALLON, MO 63366-5066

Mortgage

Document Number	2021R024488
Date	Mar 19, 2021
Instrument	2021R-024488

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2051

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	865 BLUFF BROOK DR, O FALLON, MO 63366-5066
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0071441272
Date	Sep 18, 2019
Book Page	7144/1272
Instrument	20190918000510740

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2049

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	865 BLUFF BROOK DR, O FALLON, MO 63366-5066
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0068240582
Date	Oct 17, 2017
Book Page	6824/0582
Instrument	20171017000650970

Lender

Name	MIDWEST REGIONAL BANK
Type	Bank
Address	FESTUS, MO 63028

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	865 BLUFF BROOK DR, O FALLON, MO 63366-5066
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0072890624
Date	May 07, 2020
Book Page	7289/624
Instrument	20200507000292640

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2050

February 2018: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Feb 15, 2018
Property Address	865 BLUFF BROOK DR, O FALLON, MO 63366-5066
Document Number	0068791599
Book / Page	6879 / 1599
Map Reference	MB 48 PG 289
Instrument Date	Feb 14, 2018
Instrument	20180215000083350
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 09, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	865 BLUFF BROOK DR, O FALLON, MO 63366-5066

Mortgage

Document Number	20180215000083360
Date	Feb 15, 2018
Instrument	20180215000083360

Lender

Name	CORNERSTONE MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 01, 2048

Tax Assessment & Valuation

Source: St. Charles County records · Assessment roll updated July 1, 2025 · Last verified March 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

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,477.00	$87,992 (+6.83%)	$463,113 (+6.83%) Land $57,750 Building $405,363
2023		$82,367
2022			$433,508 Land $41,250 Building $392,258

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Charles County (29183C), updated August 25, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 291833120952, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	2 (2019–2022)
Most Recent Claim	Jul 2022, rainfall accumulation, Severe Storms And Flooding

Wildfire

Wildfire Risk	Low above 32% of the US · above 22% of Missouri
Wildfire Likelihood	About 1 in 2,941 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 337 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
Brightspeed	Fiber	1,000 / 1,000
Wisper ISP	Fixed Wireless	400 / 30
T-Mobile USA	Fixed Wireless	100 / 20

May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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