96 Royal Oaks Dr, O Fallon, MO 63366 Property Records

St. Charles County property record for 96 Royal Oaks Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,190 sqft · built 1993
Lot Size	0.21 acres (9,148 sqft)
Owner	Individual Name on File
Last Sale	$176,900 (Jul 2017)
Tax Bill	$3,047 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Jul 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`A932000456`

Property Details

APN / Parcel Number

Primary APN	`A932000456`
Alternative APN	`2-0042-6873-00-0114.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,190 sqft Living Area
1st Floor Area	1,190 sqft
Basement Area	1,180 sqft

Exterior

Year Built	Built 1993
Architectural Style	Ranch
Exterior Material	Brick/Stone
Lot Area	9,148 sqft (0.21 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	64 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Sewer	Connected

Location & Zoning

Account Number	A932000456
Old Parcel Number	A932000456
Street Address	96 ROYAL OAKS DR
City	O FALLON
State	MO
Zip	63366-1054
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ROYAL OAKS ADDN #3D LOT 114
Legal Range	03E
Legal Township	47N
Legal Subdivision	ROYAL OAKS ADDN #3D
Legal Lot Number	114
Jurisdiction	ST CHARLES MO
Township / Civil Division	WENTZVILLE
Census Block Group	2
Census Block	2010
Census Tract	311801

Owner

96 Royal Oaks Dr is owned and occupied by an individual who bought it in July 2017.

Source: St. Charles County records, as of March 16, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	96 ROYAL OAKS DR, O FALLON, MO 63366-1054
Occupancy	Owner Occupied
Owner Type	Individual

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
Oct 5, 2021	Deed of Trust, Mortgage · FHA Mortgage DELMAR FINANCIAL CO
Jul 10, 2017	Warranty Deed, Transfer · FHA Mortgage

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 10, 2017 · Amount on File
Deed Sale	Jul 10, 2017 · Amount on File
Prior Sale	Jun 29, 2011 · Amount on File
Deed Document Number	0067712514
Deed Book / Page	6771 / 2514
Record Updated	Jun 8, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	96 ROYAL OAKS DR, O FALLON, MO 63366-1054
Transaction Type	Mortgage
Record Updated	Oct 18, 2021
Title Company	INVESTORS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	96 ROYAL OAKS DR, O FALLON, MO 63366-1054

Mortgage

Document Number	2021R082989
Date	Oct 5, 2021
Instrument	2021R-082989

Lender

Name	DELMAR FINANCIAL CO
Type	Funding / Finance Company
Address	SAINT LOUIS, MO 63141

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jul 10, 2017
Property Address	96 ROYAL OAKS DR, O FALLON, MO 63366-1054
Document Number	0067712514
Book / Page	6771 / 2514
Map Reference	MB 31 PG 52
Instrument Date	Jun 30, 2017
Instrument	20170710000422140
Transaction Type	Transfer
Record Updated	Feb 6, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	96 ROYAL OAKS DR, 96, O FALLON, MO 63366-1054

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	96 ROYAL OAKS DR, O FALLON, MO 63366-1054

Mortgage

Document Number	, 20170710000422150
Date	Jul 10, 2017
Instrument	20170710000422150

Lender

Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 96 Royal Oaks Dr was $3,047.

Source: St. Charles County assessment roll, as of July 1, 2025

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
2025	$3,047.00	$47,280	$248,842 Land $55,000 Building $193,842
2023		$45,589
2022			$239,943 Land $40,000 Building $199,943

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 96 Royal Oaks Dr 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 96 Royal Oaks Dr is low, with a 0.02% annual chance of 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	0.02% 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	OFALLON PWS serves 32,515 people · EPA ID MO6010588
Water Source	Purchased surface water from several systems
Last State Inspection	Aug 2024
Lead	2 ppb (2023–2025) 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 320 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Brightspeed, Verizon, Wisper ISP.

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