1577 Wainscott Dr, O Fallon, MO 63366 Property Records

St. Charles County property record for 1577 Wainscott Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,446 sqft · built 2004
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Company Names on File
Last Sale	$47,000 (Nov 2004)
Tax Bill	$5,487 (2025)
Deeds & Mortgages	May 2026 Line of Credit Apr 2021 Transfer
Flood Zone	Zone X (minimal risk)
APN	`T030300324`

Property Details

APN / Parcel Number

Primary APN	`T030300324`
Alternative APN	`2-0098-9156-00-0B13.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	3,446 sqft Living Area
Gross Area	4,875 sqft
1st Floor Area	2,190 sqft
Basement Area	2,160 sqft
Finished Basement	1,256 sqft
Unfinished Basement	904 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Ranch
Exterior Material	Brick/Stone
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Attached
Garage Area	525 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	36 sqft
Deck Area	Deck Area
Patio Area	432 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T030300324
Street Address	1577 WAINSCOTT DR
City	O FALLON
State	MO
Zip	63366-4585
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HAMPTON WOODS VLG B #1 LOT B13
Legal Subdivision	HAMPTON WOODS VLG B #1
Legal Block	13
Legal Lot Number	B13
Jurisdiction	ST CHARLES MO
Township / Civil Division	O'FALLON
Census Block Group	2
Census Block	2000
Census Tract	311604

Owner

1577 Wainscott Dr is owned by a company that acquired it in April 2021 and is owner-occupied.

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	2 Company Names on File
Mailing Address	1577 WAINSCOTT DR, O FALLON, MO 63366-4585
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
May 20, 2026	Deed of Trust, Mortgage · Line of Credit FIRST COMMUNITY CREDIT UNION
Apr 20, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 17, 2004 · Amount on File
Deed Sale	Nov 17, 2004 · Amount on File
Prior Sale	Oct 8, 2004 · Amount on File
Deed Document Number	20041100170
Deed Book / Page	4030 / 1167
Last Transfer Date	Apr 13, 2021
Transfer Doc	2021R034450
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Recording Date	May 20, 2026
Property Address	1577 WAINSCOTT DR, O FALLON, MO 63366-4585
Document Number	0000023586
Instrument Date	May 9, 2026
Instrument	202623586
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Tenant, 269
Address	1577 WAINSCOTT DR, O FALLON, MO 63366-4585

Mortgage

Document Number	0000023586,
Date	May 20, 2026
Instrument	202623586

Lender

Name	FIRST COMMUNITY CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	May 1, 2041

Interest

Rate	5.74%
Max Rate	-1%

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Apr 20, 2021
Property Address	1577 WAINSCOTT DR, O FALLON, MO 63366-4585
Document Number	2021R034450
Instrument Date	Apr 13, 2021
Instrument	2021R-034450
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
Relationship	Revocable Living Trust

Tax Assessment & Valuation

The 2025 property tax bill for 1577 Wainscott Dr was $5,487, up 5.6% from the year before.

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	Fort Zumwalt R-II School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$85,653 (-)	$450,807 (-) Land $80,000 Building $370,807
2025	$5,487.00 (+5.62%)	$85,653	$450,807 Land $80,000 Building $370,807
2024	$5,195.00
2023		$78,742
2022			$414,431 Land $55,000 Building $359,431

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

Flood

FEMA maps place 1577 Wainscott Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective August 25, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	1 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 1577 Wainscott Dr is low, with 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 80% of the US · lower than 84% of Missouri
Wildfire Likelihood	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	OFALLON PWS serves 32,515 people · EPA ID MO6010588
Water Source	Purchased surface water from several systems
Last State Inspection	Aug 2024
Lead	2 ppb (2023–2025) 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 236 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Socket Telecom Fiber	2,500 / 2,500
Spectrum Cable	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Gateway Fiber.

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