996 Crestwood Ln, O Fallon, MO 63366 Property Records

St. Charles County property record for 996 Crestwood Ln, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,522 sqft · built 2019
Lot Size	0.182 acres (7,971 sqft)
Owner	2 Individual Names on Record
Last Sale	$244,217 (Nov 2019)
Tax Bill	$3,647 (2025)
Deeds & Mortgages	Jul 2020 Mortgage Nov 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`T190300161`

Property Details

APN / Parcel Number

Primary APN	`T190300161`
Alternative APN	`2-0042-C700-00-233C.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,522 sqft Living Area
Basement Area	1,522 sqft

Exterior

Year Built	Built 2019
Exterior Material	Composition/Composite
Lot Area	7,971 sqft (0.182 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Location & Zoning

Account Number	T190300161
Street Address	996 CRESTWOOD LN
City	O FALLON
State	MO
Zip	63366-1674
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COBBLESTONE CROSSING #2 LOT 233C
Legal Range	03E
Legal Township	47N
Legal Subdivision	COBBLESTONE CROSSING #2
Legal Lot Number	233C
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	2 Individual Names on Record
Mailing Address	996 CRESTWOOD LN, O FALLON, MO 63366-1674
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage DELMAR FINANCIAL CO
Nov 18, 2019	Grant Deed, Transfer · FHA Mortgage BANK OF SPRINGFIELD

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 18, 2019 · Amount on Record
Deed Sale	Nov 18, 2019 · Amount on Record
Deed Document Number	0071832384
Deed Book / Page	7183 / 2384
Record Updated	Jun 8, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	996 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	0073580743
Date	Jul 30, 2020
Book Page	7358/743
Instrument	20200730000538900

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

November 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ST CHARLES MO
Recording Date	Nov 18, 2019
Property Address	996 CRESTWOOD LN, O FALLON, MO 63366-1674
Document Number	0071832384
Book / Page	007183 / 002384
Instrument Date	Nov 15, 2019
Instrument	660150
Transaction Type	Transfer
Record Updated	Dec 10, 2019
Title Company	TITLE PARTNERS AGENCY LLC, TITLE PTRS AGCY LLC

Transaction

Amount	Amount Recorded
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	996 CRESTWOOD LN O FALLON MO 633661674, O FALLON, MO 63366-1674

Mortgage

Document Number	71832386
Date	Nov 18, 2019
Book Page	007183/002386
Instrument	660160

Lender

Name	BANK OF SPRINGFIELD
Type	Bank
Address	SPRINGFIELD, IL 62703

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 17, 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	$3,647.00	$56,717 (+3.61%)	$298,510 (+3.61%) Land $60,000 Building $238,510
2023		$54,743
2022			$288,121 Land $50,000 Building $238,121

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 98% of the US · lower than 96% of Missouri
Wildfire Likelihood	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	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 132 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Brightspeed, Gateway Fiber, Wisper ISP.

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