1209 Windward Ridge Dr, O Fallon, MO 63366 Property Records

St. Charles County property record for 1209 Windward Ridge Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,787 sqft · built 1999
Lot Size	0.36 acres (15,682 sqft)
Owner	Individual Name on File
Last Sale	$305,000 (Aug 2021)
Tax Bill	$5,123 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Mar 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`T001800452`

Property Details

APN / Parcel Number

Primary APN	`T001800452`
Alternative APN	`4-0022-8192-00-0328.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,787 sqft Living Area
Gross Area	4,461 sqft
1st Floor Area	1,993 sqft
Basement Area	1,985 sqft
Finished Basement	794 sqft
Unfinished Basement	1,191 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Ranch
Exterior Material	Brick/Stone
Lot Area	15,682 sqft (0.36 acres)
Garage Type	Attached
Garage Area	483 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	36 sqft
Deck Area	Deck Area
Patio Area	356 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T001800452
Street Address	1209 WINDWARD RIDGE DR
City	O FALLON
State	MO
Zip	63366-6304
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUNSET RIDGE EST PH2 LOT 328
Legal Subdivision	SUNSET RIDGE EST PH2
Legal Lot Number	328
Jurisdiction	ST CHARLES MO
Township / Civil Division	LAKE ST. LOUIS
Census Block Group	3
Census Block	3001
Census Tract	311907

Owner

1209 Windward Ridge Dr is owned and occupied by an individual who bought it in August 2021.

Source: St. Charles County records, as of September 10, 2026

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

Owner of Record	Individual Name on File
Mailing Address	1209 WINDWARD RIDGE DR, O FALLON, MO 63366-6304
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 30, 2021	Warranty Deed, Transfer · Conventional Mortgage FIRST MORTGAGE SOLUTIONS LLC
Mar 30, 2018	Deed of Trust, Mortgage · VA Mortgage CASON HM LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 30, 2021 · Amount on File
Deed Sale	Aug 30, 2021 · Amount on File
Prior Sale	Oct 8, 1999 · Amount on File
Deed Document Number	202172700
Record Updated	Oct 29, 2026

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Aug 30, 2021
Property Address	1209 WINDWARD RIDGE DR, O FALLON, MO 63366-6304
Document Number	2021R072700
Map Reference	MB 35 PG 388
Instrument Date	Aug 26, 2021
Instrument	2021R-072700
Transaction Type	Transfer
Record Updated	Sep 10, 2021
Title Company	INVESTORS TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	15267 N 140TH DR, 15267, SURPRISE, AZ 85379-0001

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1209 WINDWARD RIDGE DR, O FALLON, MO 63366-6304

Mortgage

Document Number	2021R072701
Date	Aug 30, 2021
Instrument	2021R-072701

Lender

Name	FIRST MORTGAGE SOLUTIONS LLC
Type	Mortgage Company

Agreement

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

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1209 WINDWARD RIDGE DR, O FALLON, MO 63366-6304
Document Number	0069021270
Instrument Date	Mar 30, 2018
Transaction Type	Mortgage
Record Updated	Apr 16, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1209 WINDWARD RIDGE DR O FALLON MO 633666304, O FALLON, MO 63366-6304

Mortgage

Document Number	0069021270
Date	Apr 9, 2018
Book Page	006902/001270
Instrument	188140

Lender

Name	CASON HM LNS
Type	Bank
Address	SAINT LOUIS, MO 63146

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 8, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 1209 Windward Ridge Dr was $5,123.

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		$75,096 (-)	$395,243 (-) Land $65,000 Building $330,243
2025	$5,123.00	$75,096	$395,243 Land $65,000 Building $330,243
2023		$69,760
2022			$367,156 Land $55,000 Building $312,156

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 1209 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 1209 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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