10 Winter Hill Ct, O Fallon, MO 63366 Property Records

St. Charles County property record for 10 Winter Hill Ct, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,785 sqft · built 1983
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on Record
Last Sale	$265,000 (Dec 2025)
Tax Bill	$2,561 (2025)
Deeds & Mortgages	Dec 2025 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`355432B063`

Property Details

APN / Parcel Number

Primary APN	`355432B063`
Alternative APN	`2-0060-5563-00-0520.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,785 sqft Living Area
Gross Area	2,352 sqft
1st Floor Area	1,020 sqft
Basement Area	1,020 sqft

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Architectural Style	Ranch
Exterior Material	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Attached
Garage Area	312 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	20 sqft
Deck Area	Deck Area
Patio Area	240 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	355432B063
Street Address	10 WINTER HILL CT
City	O FALLON
State	MO
Zip	63366-3961
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	PEBBLE BROOK #5 B LOT 520
Legal Subdivision	PEBBLE BROOK #5B
Legal Lot Number	520
Jurisdiction	ST CHARLES MO
Township / Civil Division	WELDON SPRING
Census Block Group	2
Census Block	2008
Census Tract	311738

Owner

Source: St. Charles County records, as of September 11, 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	10 WINTER HILL CT, O FALLON, MO 63366-3961
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 10, 2025 · Amount on Record
Deed Sale	Dec 10, 2025 · Amount on Record
Prior Sale	Sep 20, 2016 · Amount on Record
Deed Document Number	202555331
Record Updated	Oct 29, 2026

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Dec 10, 2025
Property Address	10 WINTER HILL CT, O FALLON, MO 63366-3961
Document Number	0000055331
Map Reference	MB 22 PG 99
Instrument Date	Dec 4, 2025
Instrument	2025R-055331
Transaction Type	Transfer
Record Updated	Dec 25, 2025
Title Company	FREEDOM TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 WINTER HILL CT, O FALLON, MO 63366-3961

Mortgage

Document Number	0000055332
Date	Dec 10, 2025
Instrument	2025R-055332

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

Mortgage

Document Number	0000055333
Date	Dec 10, 2025
Instrument	2025R-055333

Lender

Name	MISSOURI HOUSING DEVELOPMENT COMMISSION
Type	Government Agency
Address	KANSAS CITY, MO 64106

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of August 7, 2026

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
2026		$39,625 (-)	$208,554 (-) Land $50,000 Building $158,554
2025	$2,561.00	$39,625 (-0.47%)	$208,554 (-0.47%)
2023		$39,814
2022			$209,546 Land $50,000 Building $159,546

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	1 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	Not rated no burnable land within 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	ST CHARLES COUNTY PWSD 2 serves 100,587 people · EPA ID MO6024530
Water Source	Purchased surface water from ST LOUIS CITY PWS
Last State Inspection	Aug 2023
Lead	2 ppb (2026) 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 270 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Gateway Fiber Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: i3 Broadband, Verizon.

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