1103 Warm Winds Dr, O Fallon, MO 63366 Property Records

St. Charles County property record for 1103 Warm Winds Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,700 sqft · built 2003
Lot Size	0.26 acres (11,326 sqft)
Owner	2 Individual Names on File
Tax Bill	$6,384 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Dec 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`T021800018`

Property Details

APN / Parcel Number

Primary APN	`T021800018`
Alternative APN	`4-0022-8736-00-0280.0000000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	3,700 sqft Living Area
Gross Area	4,800 sqft
1st Floor Area	3,000 sqft
Basement Area	1,400 sqft
Finished Basement	700 sqft
Unfinished Basement	700 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	11,326 sqft (0.26 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	95 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T021800018
Street Address	1103 WARM WINDS DR
City	O FALLON
State	MO
Zip	63366-6327
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUNSET RIDGE EST PH5 LOT 280
Legal Subdivision	SUNSET RIDGE EST PH5
Legal Lot Number	280
Jurisdiction	ST CHARLES MO
Township / Civil Division	LAKE ST. LOUIS
Census Block Group	3
Census Block	3001
Census Tract	311907

Owner

1103 Warm Winds Dr is owned and occupied by two individuals who acquired it in March 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	1103 WARM WINDS DR, O FALLON, MO 63366-6327
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Mar 30, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage US BANK NA
Dec 26, 2018	Warranty Deed, Transfer · Conventional Mortgage US BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 30, 2021
Deed Sale	Mar 30, 2021
Prior Sale	Dec 26, 2018 · Amount on File
Deed Document Number	202127947
Prior Transfer Date	Mar 12, 2021
Prior Transfer Doc	0000027947
Record Updated	Oct 29, 2026

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Mar 30, 2021
Property Address	1103 WARM WINDS DR, O FALLON, MO 63366-6327
Document Number	2021R027947
Map Reference	MB 37 PG 397
Instrument Date	Mar 12, 2021
Instrument	2021R-027947
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	OLD REPUBLIC TITLE

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1103 WARM WINDS DR, O FALLON, MO 63366-6327

Mortgage

Document Number	2021R027948
Date	Mar 30, 2021
Instrument	2021R-027948

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Dec 26, 2018
Property Address	1103 WARM WINDS DR, O FALLON, MO 63366-6327
Document Number	0070190007
Book / Page	7019 / 0007
Map Reference	MB 37 PG 397
Instrument Date	Dec 20, 2018
Instrument	20181226000717930
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	FREEDOM TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1103 WARM WINDS DR, O FALLON, MO 63366-6327

Mortgage

Document Number	20181226000717940
Date	Dec 26, 2018
Instrument	20181226000717940

Lender

Name	US BANK NA
Type	Bank

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 1103 Warm Winds Dr was $6,384.

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	Wentzville R-IV School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$93,734 (-)	$493,335 (-) Land $65,000 Building $428,335
2025	$6,384.00	$93,734	$493,335 Land $65,000 Building $428,335
2023		$87,254
2022			$459,231 Land $55,000 Building $404,231

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1103 Warm Winds Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective August 25, 2024

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 1103 Warm Winds Dr is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.2% of Missouri
Wildfire Likelihood	Under 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	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 419 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
Wisper ISP Fixed Wireless	400 / 30
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: i3 Broadband.

Cell Coverage

5G (outdoors only) and 4G LTE

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