976 Crestwood Ln, O Fallon, MO 63366 Property Records

St. Charles County property record for 976 Crestwood Ln, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,740 sqft · built 2018
Lot Size	0.144 acres (6,273 sqft)
Owner	Individual Name on Record
Last Sale	$252,640 (Dec 2018)
Tax Bill	$4,037 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Apr 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T180300220`

Property Details

APN / Parcel Number

Primary APN	`T180300220`
Alternative APN	`2-0042-C578-00-164C.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,740 sqft Living Area
Basement Area	1,740 sqft

Exterior

Year Built	Built 2018
Architectural Style	Ranch
Exterior Material	Brick/Stone
Lot Area	6,273 sqft (0.144 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	T180300220
Street Address	976 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 164C
Legal Range	03E
Legal Township	47N
Legal Subdivision	COBBLESTONE CROSSING #1
Legal Lot Number	164C
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 March 16, 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 Record
Co-owner	Co-owner on Record
Mailing Address	976 CRESTWOOD LN, O FALLON, MO 63366-1674
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage REGIONS BANK
Apr 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage REGIONS BANK
Dec 27, 2018	Special Warranty Deed, Transfer · Conventional Mortgage PNC BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 27, 2018 · Amount on Record
Deed Sale	Dec 27, 2018 · Amount on Record
Deed Document Number	0070191168
Deed Book / Page	7019 / 1168
Record Updated	Jun 8, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	976 CRESTWOOD LN, O FALLON, MO 63366-1674
Transaction Type	Mortgage
Record Updated	Oct 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	976 CRESTWOOD LN, O FALLON, MO 63366-1674

Mortgage

Document Number	2021R079285
Date	Sep 22, 2021
Instrument	2021R-079285

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	976 CRESTWOOD LN, O FALLON, MO 63366-1674
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0072610381
Date	Apr 1, 2020
Book Page	7261/381
Instrument	20200401000202110

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2050

December 2018: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Dec 27, 2018
Property Address	976 CRESTWOOD LN, O FALLON, MO 63366-1674
Document Number	0070191168
Book / Page	7019 / 1168
Map Reference	MB 49 PG 317
Instrument Date	Dec 21, 2018
Instrument	20181227000719610
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	DEPENDABLE TITLE LLC

Transaction

Amount	Amount Recorded
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	976 CRESTWOOD LN, O FALLON, MO 63366-1674

Mortgage

Document Number	20181227000719620
Date	Dec 27, 2018
Instrument	20181227000719620

Lender

Name	PNC BANK NA
Type	Bank

Agreement

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

Tax Assessment & Valuation

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	$4,037.00	$62,855 (+9.54%)	$330,816 (+9.54%) Land $60,000 Building $270,816
2023		$57,381
2022			$302,004 Land $50,000 Building $252,004

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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