9 Osperey Way, O Fallon, MO 63368 Property Records

St. Charles County property record for 9 Osperey Way, O Fallon, MO 63368

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,997 sqft · built 1996
Lot Size	0.27 acres (11,761 sqft)
Owner	2 Individual Names on File
Last Sale	$430,000 (Oct 2025)
Tax Bill	$4,631 (2025)
Deeds & Mortgages	Sep 2026 Transfer Mar 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`A972000480`

Property Details

APN / Parcel Number

Primary APN	`A972000480`
Alternative APN	`2-0130-7519-00-0023.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,997 sqft Living Area
Gross Area	4,023 sqft
1st Floor Area	1,742 sqft
Basement Area	1,674 sqft

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Ranch
Exterior Material	Masonry Veneer
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,761 sqft (0.27 acres)
Garage Type	Attached
Garage Area	607 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	350 sqft
Deck Area	Deck Area
Patio Area	100 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A972000480
Street Address	9 OSPEREY WAY
City	O FALLON
State	MO
Zip	63368-8039
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AE9
Legal Description	VLGS AT DARDENNE OAKLAND VLG LOT 23
Legal Subdivision	VLGS AT DARDENNE OAKLAND VLG
Legal Lot Number	23
Jurisdiction	ST CHARLES MO
Township / Civil Division	BOONE
Census Block Group	2
Census Block	2003
Census Tract	311152

Owner

9 Osperey Way is owned and occupied by two individuals who acquired it in September 2026.

Source: St. Charles County records, as of October 19, 2026

Owner of Record	2 Individual Names on File
Mailing Address	9 OSPEREY WAY, O FALLON, MO 63368-8039
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
Sep 30, 2026	Transfer on Death Deed, Transfer NONE LISTED ON DOCUMENT
Mar 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
Oct 14, 2025	Warranty Deed, Transfer · Conventional Mortgage CEFCU
Oct 23, 2019	Warranty Deed, Transfer INTEGRITY MTG/MO
Nov 13, 2018	Warranty Deed, Transfer DAS ACQUISITION

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 14, 2025 · Amount on File
Deed Sale	Oct 14, 2025 · Amount on File
Prior Sale	Oct 23, 2019 · Amount on File
Deed Document Number	202545614
Last Transfer Date	Sep 3, 2026
Transfer Doc	0000046675
Record Updated	Oct 29, 2026

September 2026: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	ST CHARLES MO
Recording Date	Sep 30, 2026
Property Address	9 OSPEREY WAY, O FALLON, MO 63368-8039
Document Number	0000046675
Instrument Date	Sep 3, 2026
Instrument	202646675
Transaction Type	Transfer
Record Updated	Oct 16, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	9 OSPEREY WAY, O FALLON, MO 63368-8039
Transaction Type	Mortgage
Record Updated	Oct 28, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000022538
Date	Mar 15, 2021
Instrument	2021R-022538

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Apr 1, 2041

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Oct 14, 2025
Property Address	9 OSPEREY WAY, O FALLON, MO 63368-8039
Document Number	0000045614
Map Reference	MB 33 PG 192
Instrument Date	Oct 10, 2025
Instrument	2025R-045614
Transaction Type	Transfer
Record Updated	Oct 28, 2025
Title Company	USTC, UST

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9 OSPEREY WAY, O FALLON, MO 63368-8039

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	9 OSPEREY WAY, O FALLON, MO 63368-8039

Mortgage

Document Number	0000045615
Date	Oct 14, 2025
Instrument	2025R-045615

Lender

Name	CEFCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Oct 23, 2019
Property Address	9 OSPEREY WAY, O FALLON, MO 63368-8039
Document Number	0071672488
Book / Page	007167 / 002488
Instrument Date	Oct 15, 2019
Instrument	597590
Transaction Type	Transfer
Record Updated	Nov 26, 2019
Title Company	TITLE PARTNERS AGENCY LLC, TITLE PTRS AGCY LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	9 OSPEREY WAY O FALLON MO 633688039, O FALLON, MO 63368-8039

Mortgage

Document Number	71672490
Date	Oct 23, 2019
Book Page	007167/002490
Instrument	597600

Lender

Name	INTEGRITY MTG/MO
Type	Mortgage Company
Address	SAINT CHARLES, MO 63301

Agreement

Amount	Amount on Record
Term	360 Months
Due	Oct 22, 2049

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Nov 13, 2018
Property Address	9 OSPEREY WAY, O FALLON, MO 63368-8039
Document Number	0070012465
Book / Page	007001 / 002465
Instrument Date	Nov 5, 2018
Instrument	641190
Transaction Type	Transfer
Record Updated	Dec 5, 2018
Title Company	OTHER

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9 OSPEREY WAY O FALLON MO 633688039, O FALLON, MO 63368-8039

Mortgage

Document Number	70012467
Date	Nov 13, 2018
Book Page	007001/002467
Instrument	641200

Lender

Name	DAS ACQUISITION
Address	ST LOUIS, MO 63141

Agreement

Amount	Amount on Record
Term	360 Months
Due	Nov 12, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 9 Osperey Way was $4,631, up 3.5% from the year before.

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		$72,187 (-)	$379,931 (-) Land $75,000 Building $304,931
2025	$4,631.00 (+3.51%)	$72,187	$379,931 Land $75,000 Building $304,931
2024	$4,474.00
2023		$67,729
2022			$356,466 Land $50,000 Building $306,466

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 9 Osperey Way in Zone X, an area of minimal flood risk.

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 9 (5% 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

Wildfire risk around 9 Osperey Way is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.6% of Missouri
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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
Also Mapped Here	MO AMERICAN ST LOUIS ST CHARLES COUNTIES
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 280 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
i3 Broadband Fiber	8,000 / 8,000
Gateway Fiber Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30

May also be available: T-Mobile, Verizon.

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