Seller's Agent in 2025
Laura Sanders
Compass Realty Group
(314) 605-2581
17 in this area
422 Total Sales
10 Democracy Cir O Fallon, MO 63368
Estimated Value: $435,000 - $463,000
4
Beds
4
Baths
2,647
Sq Ft
$168/Sq Ft
Est. Value
Highlights
- Heated In Ground Pool
- Clubhouse
- Recreation Room
- Pheasant Point Elementary School Rated A
- Deck
- Traditional Architecture
About This Home
As of July 2025Welcome to your own slice of paradise in Monticello! Tucked on a quiet cul-de-sac in one of the neighborhood's most desirable locations, this beautiful 2-story home offers the perfect blend of comfort, updates, & outdoor living. Step inside & instantly feel at home. The formal dining rm is ideal for hosting family dinners & celebrations, while the private office provides a quiet retreat for work or study. The heart of the home is the open kitchen & living area, where granite counters, ss appls, & a spacious bfast rm create the perfect backdrop for everyday life. Off the kitchen leads to your gorgeous cov’d deck, ideal for morning coffee or summer nights w/ friends. The cozy living rm, anchored by a warm woodburning FP, invites you to unwind & enjoy time together. Upstairs, escape to the luxurious primary suite, a true retreat w/ vaulted ceilings, a large WIC, & plenty of space to create your own private sanctuary. 3 add’l bdrms & a beautifully updated full bath complete the upper lvl. But the real showstopper is the backyard, your own private oasis! Relax or entertain by the inground pool, unwind on the cov’d patio, & enjoy the fully fenced yard that backs to peaceful common ground, offering extra privacy & space to play. All this, plus Monticello’s amazing nbhd amenities: 3 pools, clubhouse, tennis & pickleball courts, lakes, & beautiful walking trails. Mins from hwys, shopping, dining, & located in top-rated Ft. Zumwalt schools. This is the home you’ve been waiting for!
Last Agent to Sell the Property
Compass Realty Group License #2010013951 Listed on: 06/13/2025
Home Details
Home Type
- Single Family
Est. Annual Taxes
- $4,192
Year Built
- Built in 1989
Lot Details
- 12,632 Sq Ft Lot
- Lot Dimensions are 29x18x120x103x59x120
- Cul-De-Sac
- Fenced
- Landscaped
- Level Lot
- Cleared Lot
- Many Trees
- Private Yard
- Back and Front Yard
HOA Fees
- $31 Monthly HOA Fees
Parking
- 2 Car Attached Garage
Home Design
- Traditional Architecture
- Shingle Roof
- Vinyl Siding
Interior Spaces
- 2-Story Property
- Wood Burning Fireplace
- Sliding Doors
- Panel Doors
- Family Room
- Living Room
- Breakfast Room
- Dining Room
- Recreation Room
- Bonus Room
Kitchen
- Electric Oven
- Electric Range
- Dishwasher
- Disposal
Flooring
- Carpet
- Laminate
- Luxury Vinyl Plank Tile
Bedrooms and Bathrooms
- 4 Bedrooms
Partially Finished Basement
- Walk-Out Basement
- Basement Ceilings are 8 Feet High
- Finished Basement Bathroom
Pool
- Heated In Ground Pool
- Diving Board
Outdoor Features
- Deck
- Covered Patio or Porch
- Shed
- Rain Gutters
Schools
- Pheasant Point Elem. Elementary School
- Ft. Zumwalt West Middle School
- Ft. Zumwalt West High School
Utilities
- Forced Air Heating and Cooling System
- Heating System Uses Natural Gas
- Water Heater
- Water Softener
Listing and Financial Details
- Assessor Parcel Number 2-0129-6537-00-0074.0000000
Community Details
Overview
- Association fees include clubhouse, common area maintenance, pool
- Monticello West Association
Amenities
- Clubhouse
Recreation
- Tennis Courts
- Community Pool
Ownership History
Date
Name
Owned For
Owner Type
Purchase Details
Listed on
Jun 13, 2025
Closed on
Jul 9, 2025
Sold by
Kruchowski Heather R and Kruchowski Scott S
Bought by
Null Brandon and Null Audrey
Seller's Agent
Laura Sanders
Compass Realty Group
Buyer's Agent
De Lynn Klosterhoff
Select Group Realty
List Price
$449,900
Views
32
Current Estimated Value
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
-6.36%
Original Mortgage
$468,000
Outstanding Balance
$464,109
Interest Rate
6.5%
Mortgage Type
New Conventional
Estimated Equity
-$18,893
Purchase Details
Closed on
May 11, 2012
Sold by
Kruchowski Scott S and Kruchowski Heather R
Bought by
Kruchowski Scott S and Kruchowski Heather R
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$214,000
Interest Rate
4.02%
Mortgage Type
New Conventional
Purchase Details
Closed on
May 30, 2006
Sold by
Stokes Thomas W and Fischer Elizabeth
Bought by
Kruchowski Scott S and Rulo Heather R
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$183,900
Interest Rate
6.5%
Mortgage Type
Purchase Money Mortgage
Purchase Details
Closed on
Jan 27, 2000
Sold by
Washington Mutual Bank
Bought by
Stokes Thomas W and Fischer Elizabeth
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$145,246
Interest Rate
7.95%
Mortgage Type
FHA
Purchase Details
Closed on
May 12, 1999
Sold by
Cornelius David M and Cornelius Robin C
Bought by
Washington Mutual Bank
Create a Home Valuation Report for This Property
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Home Values in the Area
Average Home Value in this Area
Purchase History
| Date | Buyer | Sale Price | Title Company |
|---|---|---|---|
| Null Brandon | -- | None Listed On Document | |
| Kruchowski Scott S | -- | Benchmark Title Llc | |
| Kruchowski Scott S | -- | Ort | |
| Stokes Thomas W | -- | First American Title Ins Co | |
| Washington Mutual Bank | -- | -- |
Source: Public Records
Mortgage History
| Date | Status | Borrower | Loan Amount |
|---|---|---|---|
| Open | Null Brandon | $468,000 | |
| Previous Owner | Kruchowski Scott S | $214,000 | |
| Previous Owner | Kruchowski Scott S | $183,900 | |
| Previous Owner | Stokes Thomas W | $145,246 |
Source: Public Records
Property History
| Date | Event | Price | List to Sale | Price per Sq Ft |
|---|---|---|---|---|
| 07/14/2025 07/14/25 | Sold | -- | -- | -- |
| 06/15/2025 06/15/25 | Pending | -- | -- | -- |
| 06/13/2025 06/13/25 | For Sale | $449,900 | -- | $170 / Sq Ft |
Source: MARIS MLS
Tax History
| Year | Tax Paid | Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. | Land | Improvement |
|---|---|---|---|---|
| 2025 | $4,192 | $69,832 | -- | -- |
| 2023 | $4,196 | $63,722 | -- | -- |
| 2022 | $3,306 | $46,714 | $0 | $0 |
| 2021 | $3,314 | $46,714 | $0 | $0 |
| 2020 | $3,348 | $45,413 | $0 | $0 |
| 2019 | $3,313 | $44,833 | $0 | $0 |
| 2018 | $3,455 | $44,759 | $0 | $0 |
| 2017 | $3,405 | $44,759 | $0 | $0 |
| 2016 | $3,106 | $39,219 | $0 | $0 |
| 2015 | $2,895 | $39,219 | $0 | $0 |
| 2014 | $2,735 | $36,533 | $0 | $0 |
Source: Public Records
Agents Affiliated with this Home
-
Laura Sanders
-
De Lynn Klosterhoff
Buyer's Agent in 2025
De Lynn Klosterhoff
Select Group Realty
(314) 503-6779
6 in this area
33 Total Sales
Map
Source: MARIS MLS
MLS Number: MIS25040905
APN: 2-0129-6537-00-0074.0000000
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All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information. Some IDX listings have been excluded from this website.
Listings courtesy of MARIS MLS as distributed by MLS GRID.
Based on information submitted to the MLS GRID
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