1112 Warm Winds Dr, O Fallon, MO 63366 Property Records

St. Charles County property record for 1112 Warm Winds Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,672 sqft · built 2001
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on Record
Last Sale	$395,000 (Jun 2025)
Tax Bill	$4,658 (2025)
Deeds & Mortgages	Jul 2022 Second Mortgage Jan 2022 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`T021800023`

Property Details

APN / Parcel Number

Primary APN	`T021800023`
Alternative APN	`4-0022-8736-00-0310.0000000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,672 sqft Living Area
Gross Area	3,308 sqft
1st Floor Area	1,036 sqft
Basement Area	936 sqft
Finished Basement	700 sqft
Unfinished Basement	236 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Bi-Level
Exterior Material	Brick/Stone
Lot Area	10,019 sqft (0.23 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	130 sqft
Patio Area	240 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T021800023
Street Address	1112 WARM WINDS DR
City	O FALLON
State	MO
Zip	63366-6328
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUNSET RIDGE EST PH5 LOT 310
Legal Subdivision	SUNSET RIDGE EST PH5
Legal Lot Number	310
Jurisdiction	ST CHARLES MO
Township / Civil Division	LAKE ST. LOUIS
Census Block Group	3
Census Block	3002
Census Tract	311907

Owner

Source: St. Charles County records, as of September 10, 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	1112 WARM WINDS DR, O FALLON, MO 63366-6328
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Jul 5, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK
Jan 26, 2022	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
Jul 13, 2021	Beneficiary Deed, Transfer
Jan 26, 2018	Deed of Trust, Mortgage · Line of Credit WEST COMMUNITY CU
Dec 11, 2019	Warranty Deed, Transfer · VA Mortgage DELMAR FINANCIAL CO
Jul 10, 2017	Quit Claim Deed, Transfer FIRST ST BK/ST CHARLES

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 18, 2025 · Amount on Record
Deed Sale	Jun 18, 2025 · Amount on Record
Prior Sale	Dec 11, 2019 · Amount on Record
Deed Document Number	202525851
Prior Transfer Date	Jul 7, 2021
Prior Transfer Doc	2021R058467
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1112 WARM WINDS DR, O FALLON, MO 63366-6328
Transaction Type	Mortgage
Record Updated	Jul 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1112 WARM WINDS DR, O FALLON, MO 63366-6328

Mortgage

Document Number	0000037228
Date	Jul 5, 2022
Instrument	2022R-037228

Lender

Name	DISCOVER BANK
Type	Bank
Address	GREENWOOD, DE 19950

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 5, 2037

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1112 WARM WINDS DR, O FALLON, MO 63366-6328
Transaction Type	Mortgage
Record Updated	Feb 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1112 WARM WINDS DR, O FALLON, MO 63366-6328

Mortgage

Document Number	0000005206
Date	Jan 26, 2022
Instrument	2022R-005206

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

July 2021: Beneficiary Deed, Transfer

Document Type	Beneficiary Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jul 13, 2021
Property Address	1112 WARM WINDS DR, O FALLON, MO 63366-6328
Document Number	2021R058467
Map Reference	MB 37 PG 397
Instrument Date	Jul 7, 2021
Instrument	2021R-058467
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1112 WARM WINDS DR, O FALLON, MO 63366-6328

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1112 WARM WINDS DR, O FALLON, MO 63366-6328
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0068711400
Date	Jan 26, 2018
Book Page	6871/1400
Instrument	20180126000047560

Lender

Name	WEST COMMUNITY CU
Type	Credit Union
Address	O FALLON, MO 63368

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Feb 1, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Dec 11, 2019
Property Address	1112 WARM WINDS DR, O FALLON, MO 63366-6328
Document Number	0071962210
Book / Page	7196 / 2210
Map Reference	MB 37 PG 397
Instrument Date	Nov 27, 2019
Instrument	20191211000710610
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	ARISTA NATIONAL TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	305 ORCHID CT, 305, WENTZVILLE, MO 63385-2656

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1112 WARM WINDS DR, O FALLON, MO 63366-6328

Mortgage

Document Number	20191211000710620
Date	Dec 11, 2019
Instrument	20191211000710620

Lender

Name	DELMAR FINANCIAL CO
Type	Lending Institution

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2049

July 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jul 10, 2017
Property Address	1112 WARM WINDS DR, O FALLON, MO 63366-6328
Document Number	0067721411
Book / Page	006772 / 001411
Instrument Date	Jul 3, 2017
Instrument	425310
Transaction Type	Transfer
Record Updated	Jul 14, 2017
Title Company	FREEDOM TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1112 WARM WINDS DR O FALLON MO 633666328, O FALLON, MO 63366-6328

Mortgage

Document Number	67721414
Date	Jul 10, 2017
Book Page	006772/001414
Instrument	425320

Lender

Name	FIRST ST BK/ST CHARLES
Type	Bank
Address	SAINT CHARLES, MO 63301

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 9, 2047

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	Wentzville R-IV School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$68,220 (-)	$359,053 (-) Land $65,000 Building $294,053
2025	$4,658.00 (+3.83%)	$68,220 (+6.89%)	$359,053 (+6.89%) Building $359,053
2024	$4,486.00
2023		$63,825
2022			$335,920 Building $335,920

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

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

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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