970 Crestwood Ln, O Fallon, MO 63366 Property Records

St. Charles County property record for 970 Crestwood Ln, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,309 sqft · built 2018
Lot Size	0.144 acres (6,264 sqft)
Owner	Individual Name on File
Last Sale	$253,100 (Oct 2019)
Tax Bill	$3,367 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Sep 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`T180300223`

Property Details

APN / Parcel Number

Primary APN	`T180300223`
Alternative APN	`2-0042-C578-00-167C.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,309 sqft Living Area
Gross Area	3,018 sqft
1st Floor Area	1,309 sqft
Basement Area	1,309 sqft

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	6,264 sqft (0.144 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	T180300223
Street Address	970 CRESTWOOD LN
City	O FALLON
State	MO
Zip	63366-1674
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COBBLESTONE CROSSING #1 LOT 167C
Legal Subdivision	COBBLESTONE CROSSING #1
Legal Lot Number	167C
Jurisdiction	ST CHARLES MO
Township / Civil Division	WENTZVILLE
Census Block Group	2
Census Block	2010
Census Tract	311801

Owner

Source: St. Charles County records, as of June 2, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	970 CRESTWOOD LN, O FALLON, MO 63366-1674
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 1, 2026	Deed of Trust, Mortgage · Conventional Mortgage THIRD FEDERAL SAVINGS AND LOANS ASSOCIATION
Sep 30, 2020	Deed of Trust, Mortgage NEW AMERICAN FNDG
Oct 28, 2019	Warranty Deed, Transfer · Conventional Mortgage BROKER SOLUTIONS INC
Dec 14, 2018	Special Warranty Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 28, 2019 · Amount on File
Deed Sale	Oct 28, 2019 · Amount on File
Prior Sale	Dec 14, 2018 · Amount on File
Deed Document Number	2019607300
Deed Book / Page	7170 / 1284
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Recording Date	Apr 1, 2026
Property Address	970 CRESTWOOD LN, O FALLON, MO 63366-1674
Document Number	0000014881
Instrument Date	Mar 26, 2026
Instrument	202614881
Transaction Type	Mortgage
Record Updated	Jul 13, 2026
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	970 CRESTWOOD LN, O FALLON, MO 63366-1674

Mortgage

Document Number	0000014881,
Date	Apr 1, 2026
Instrument	202614881

Lender

Name	THIRD FEDERAL SAVINGS AND LOANS ASSOCIATION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Apr 1, 2031

Interest

Rate	5.98%
Max Rate	-1%

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	970 CRESTWOOD LN, O FALLON, MO 63366-1674
Document Number	0000076487
Instrument Date	Sep 30, 2020
Transaction Type	Mortgage
Record Updated	Jan 6, 2021
Title Company	INVESTORS TITLE COMPANY, INVESTORS TITLE CO.

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	970 CRESTWOOD LN O FALLON MO 633661674, O FALLON, MO 63366-1674

Mortgage

Document Number	0000076487
Date	Oct 9, 2020
Instrument	76487

Lender

Name	NEW AMERICAN FNDG
Type	Funding / Finance Company
Address	TUSTIN, CA 92780

Agreement

Amount	Amount on Record
Term	360 Months
Due	Oct 8, 2050

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Oct 28, 2019
Property Address	970 CRESTWOOD LN, O FALLON, MO 63366-1674
Document Number	0071701284
Book / Page	7170 / 1284
Map Reference	MB 49 PG 317
Instrument Date	Oct 21, 2019
Instrument	20191028000607300
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	SYNERGY TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1136 SPENCER HILL DR, 1136, SAINT PETERS, MO 63376-5136

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	970 CRESTWOOD LN, O FALLON, MO 63366-1674

Mortgage

Document Number	20191028000607310
Date	Oct 28, 2019
Instrument	20191028000607310

Lender

Name	BROKER SOLUTIONS INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2049

December 2018: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Dec 14, 2018
Property Address	970 CRESTWOOD LN, O FALLON, MO 63366-1674
Document Number	0070141480
Book / Page	7014 / 1480
Map Reference	MB 49 PG 317
Instrument Date	Dec 6, 2018
Instrument	20181214000698350
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	STELLAR TITLE AGENCY

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	970 CRESTWOOD LN, O FALLON, MO 63366-1674

Mortgage

Document Number	20181214000698360
Date	Dec 14, 2018
Instrument	20181214000698360

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2049

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	Fort Zumwalt R-II School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,367.00 (-3.25%)	$52,318 (-0.41%)	$275,358 (-0.41%) Land $60,000 Building $215,358
2024	$3,480.00
2023		$52,534
2022			$276,493 Land $50,000 Building $226,493

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 · 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

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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