1165 Warm Winds Dr, O Fallon, MO 63366 Property Records

St. Charles County property record for 1165 Warm Winds Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,240 sqft · built 2003
Lot Size	0.27 acres (11,761 sqft)
Owner	2 Individual Names on Record
Last Sale	$253,500 (Mar 2005)
Tax Bill	$6,562 (2025)
Deeds & Mortgages	Jul 2017 Line of Credit Oct 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`T021800038`

Property Details

APN / Parcel Number

Primary APN	`T021800038`
Alternative APN	`4-0022-8736-00-0325.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,240 sqft Living Area
Gross Area	5,420 sqft
1st Floor Area	1,750 sqft
Basement Area	1,490 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Lot Area	11,761 sqft (0.27 acres)
Garage Type	Attached
Garage Area	690 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	95 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T021800038
Street Address	1165 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 325
Legal Subdivision	SUNSET RIDGE EST PH5
Legal Lot Number	325
Jurisdiction	ST CHARLES MO
Township / Civil Division	LAKE ST. LOUIS
Census Block Group	3
Census Block	3001
Census Tract	311907

Owner

Source: St. Charles County records, as of August 7, 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	1165 WARM WINDS DR, O FALLON, MO 63366-6327
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 5, 2017	Deed of Trust, Mortgage · Line of Credit JPMORGAN CHASE BANK NA
Oct 29, 2019	Deed of Trust, Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 31, 2005 · Amount on Record
Deed Sale	Mar 31, 2005 · Amount on Record
Prior Sale	Mar 15, 2004 · Amount on Record
Deed Document Number	2005279330
Deed Book / Page	4138 / 1116
Prior Transfer Date	Mar 16, 2005
Prior Transfer Doc	0041381119
Record Updated	Oct 29, 2026

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1165 WARM WINDS DR, O FALLON, MO 63366-6327
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0067690021
Date	Jul 5, 2017
Book Page	6769/0021
Instrument	20170705000409930

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	419 Months
Due	Jun 16, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1165 WARM WINDS DR, O FALLON, MO 63366-6327
Document Number	0071770900
Instrument Date	Oct 29, 2019
Transaction Type	Mortgage
Record Updated	Dec 2, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1165 WARM WINDS DR O FALLON MO 633666327, O FALLON, MO 63366-6327

Mortgage

Document Number	0071770900
Date	Nov 6, 2019
Book Page	007177/000900
Instrument	634910

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Amount	Amount Recorded
Term	240 Months
Due	Nov 5, 2039

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		$96,353 (-)	$507,120 (-) Land $65,000 Building $442,120
2025	$6,562.00 (+4.54%)	$96,353 (+7.6%)	$507,120 (+7.6%) Land $65,000 Building $442,120
2024	$6,277.00
2023		$89,550
2022			$471,314 Land $55,000 Building $416,314

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	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 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.

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