965 Crestwood Ln, O Fallon, MO 63366 Property Records

St. Charles County property record for 965 Crestwood Ln, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,113 sqft · built 2018
Lot Size	0.173 acres (7,579 sqft)
Owner	Individual Name on File
Last Sale	$295,369 (Nov 2018)
Tax Bill	$4,064 (2025)
Deeds & Mortgages	Mar 2023 Line of Credit Feb 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T180300205`

Property Details

APN / Parcel Number

Primary APN	`T180300205`
Alternative APN	`2-0042-C578-00-149C.0000000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,113 sqft Living Area
Basement Area	1,028 sqft

Exterior

Year Built	Built 2018
Exterior Material	Brick/Stone
Lot Area	7,579 sqft (0.173 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	T180300205
Street Address	965 CRESTWOOD LN
City	O FALLON
State	MO
Zip	63366-1676
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COBBLESTONE CROSSING #1 LOT 149C
Legal Range	03E
Legal Township	47N
Legal Subdivision	COBBLESTONE CROSSING #1
Legal Lot Number	149C
Jurisdiction	ST CHARLES MO
Township / Civil Division	WENTZVILLE
Census Block Group	2
Census Block	2023
Census Tract	311801

Owner

965 Crestwood Ln is owned and occupied by an individual who bought it in November 2018.

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	965 CRESTWOOD LN, O FALLON, MO 63366-1676
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
Mar 6, 2023	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Feb 23, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Nov 19, 2018	Special Warranty Deed, Transfer · FHA Mortgage BUSEY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 19, 2018 · Amount on File
Deed Sale	Nov 19, 2018 · Amount on File
Deed Document Number	0070041384
Deed Book / Page	7004 / 1384
Record Updated	Jun 8, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	965 CRESTWOOD LN, O FALLON, MO 63366-1676
Transaction Type	Mortgage
Record Updated	Mar 21, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	965 CRESTWOOD LN, O FALLON, MO 63366-1676

Mortgage

Document Number	0000008090
Date	Mar 6, 2023
Instrument	2023R-008090

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Mar 23, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	965 CRESTWOOD LN, O FALLON, MO 63366-1676
Transaction Type	Mortgage
Record Updated	Mar 8, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	965 CRESTWOOD LN, O FALLON, MO 63366-1676

Mortgage

Document Number	0000010545
Date	Feb 23, 2022
Instrument	2022R-010545

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2052

November 2018: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Nov 19, 2018
Property Address	965 CRESTWOOD LN, O FALLON, MO 63366-1676
Document Number	0070041384
Book / Page	7004 / 1384
Map Reference	MB 49 PG 317
Instrument Date	Nov 16, 2018
Instrument	20181119000652230
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	DEPENDABLE TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
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
Address	16091 SWINGLEY RIDGE RD # RD300, 16091, CHESTERFIELD, MO 63017-2005

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	965 CRESTWOOD LN, O FALLON, MO 63366-1676

Mortgage

Document Number	20181119000652240
Date	Nov 19, 2018
Instrument	20181119000652240

Lender

Name	BUSEY BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 965 Crestwood Ln was $4,064.

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	$4,064.00	$63,278	$333,041 Land $60,000 Building $273,041
2023		$63,264
2022			$332,970 Land $50,000 Building $282,970

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 965 Crestwood Ln 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 965 Crestwood Ln 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 97% of the US · lower than 95% of Missouri
Wildfire Likelihood	Under 0.01% 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	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 283 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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