1208 Windward Ridge Dr, O Fallon, MO 63366 Property Records

St. Charles County property record for 1208 Windward Ridge Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,016 sqft · built 2004
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on File
Last Sale	$322,000 (Jun 2020)
Tax Bill	$6,296 (2025)
Deeds & Mortgages	Sep 2023 Line of Credit Aug 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T001800465`

Property Details

APN / Parcel Number

Primary APN	`T001800465`
Alternative APN	`4-0022-8192-00-0342.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,016 sqft Living Area
Gross Area	5,046 sqft
1st Floor Area	1,616 sqft
Basement Area	1,400 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Bi-Level
Exterior Material	Brick/Stone
Lot Area	10,019 sqft (0.23 acres)
Garage Type	Attached
Garage Area	630 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	95 sqft
Deck Area	Deck Area
Patio Area	407 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T001800465
Street Address	1208 WINDWARD RIDGE DR
City	O FALLON
State	MO
Zip	63366-6303
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUNSET RIDGE EST PH2 LOT 342
Legal Subdivision	SUNSET RIDGE EST PH2
Legal Lot Number	342
Jurisdiction	ST CHARLES MO
Township / Civil Division	LAKE ST. LOUIS
Census Block Group	3
Census Block	3005
Census Tract	311907

Owner

1208 Windward Ridge Dr is owned and occupied by two individuals who bought it in June 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	1208 WINDWARD RIDGE DR, O FALLON, MO 63366-6303
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
Sep 12, 2023	Deed of Trust, Mortgage · Line of Credit SCOTT CU
Aug 20, 2021	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE
Jun 30, 2020	Warranty Deed, Transfer CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 30, 2020 · Amount on File
Deed Sale	Jun 30, 2020 · Amount on File
Prior Sale	Aug 13, 2004 · Amount on File
Deed Document Number	2020446900
Deed Book / Page	7332 / 894
Prior Transfer Date	Jan 20, 2005
Prior Transfer Doc	0000072590
Record Updated	Oct 29, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1208 WINDWARD RIDGE DR, O FALLON, MO 63366-6303
Transaction Type	Mortgage
Record Updated	Sep 27, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1208 WINDWARD RIDGE DR, O FALLON, MO 63366-6303

Mortgage

Document Number	0000037389
Date	Sep 12, 2023
Instrument	2023R-037389

Lender

Name	SCOTT CU
Type	Credit Union
Address	EDWARDSVILLE, IL 62025

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Sep 11, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1208 WINDWARD RIDGE DR, O FALLON, MO 63366-6303
Transaction Type	Mortgage
Record Updated	Sep 2, 2021
Title Company	INVESTORS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1208 WINDWARD RIDGE DR, COTTLEVILLE, MO 63366-6303

Mortgage

Document Number	2021R070145
Date	Aug 20, 2021
Instrument	2021R-070145

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jun 30, 2020
Property Address	1208 WINDWARD RIDGE DR, O FALLON, MO 63366-6303
Document Number	0073320894
Book / Page	007332 / 000894
Instrument Date	Jun 19, 2020
Instrument	446900
Transaction Type	Transfer
Record Updated	Aug 26, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1208 WINDWARD RIDGE DR O FALLON MO 633666303, O FALLON, MO 63366-6303

Mortgage

Document Number	73320896
Date	Jun 30, 2020
Book Page	007332/000896
Instrument	446910

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jun 29, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 1208 Windward Ridge Dr was $6,296.

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		$92,433 (-)	$486,492 (-) Land $65,000 Building $421,492
2025	$6,296.00	$92,433	$486,492 Land $65,000 Building $421,492
2023		$85,945
2022			$452,343 Land $55,000 Building $397,343

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

FEMA maps place 1208 Windward Ridge 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

The area around 1208 Windward Ridge Dr has no burnable land within ember reach, so its wildfire risk is not rated.

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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