1804 Winter Hill Dr, O Fallon, MO 63366 Property Records

St. Charles County property record for 1804 Winter Hill Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 960 sqft · built 1978
Lot Size	0.201 acres (8,778 sqft)
Owner	Individual Name on File
Last Sale	$115,000 (Sep 2020)
Tax Bill	$2,271 (2025)
Deeds & Mortgages	Dec 2023 Mortgage Jan 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`355432A090`

Property Details

APN / Parcel Number

Primary APN	`355432A090`
Alternative APN	`2-0060-5078-00-0260.0000000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	960 sqft Living Area
1st Floor Area	960 sqft
Basement Area	960 sqft

Exterior

Year Built	Built 1978
Architectural Style	Ranch
Exterior Material	Brick/Stone
Lot Area	8,778 sqft
Lot Dimensions	114 ft deep x 77 ft wide
Terrain	Rolling
Garage Type	Attached
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	148 sqft
Patio Area	72 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Sewer	Connected

Location & Zoning

Account Number	355432A090
Old Parcel Number	355432A090
Street Address	1804 WINTER HILL DR
City	O FALLON
State	MO
Zip	63366-3937
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	PEBBLE BROOK #2 SEC 3 LOT 260
Legal Range	03E
Legal Township	47N
Legal Section	03
Legal Subdivision	PEBBLE BROOK #2&3 SEC 3
Legal Lot Number	260
Jurisdiction	ST CHARLES MO
Township / Civil Division	WELDON SPRING
Census Block Group	2
Census Block	2021
Census Tract	311738

Owner

1804 Winter Hill Dr is owned and occupied by an individual who bought it in September 2020.

Source: St. Charles County records, as of March 16, 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	1804 WINTER HILL DR, O FALLON, MO 63366-3937
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 8, 2023	Deed of Trust, Mortgage · FHA Mortgage GUILD MORTGAGE CO
Jan 24, 2022	Deed of Trust, Mortgage · Line of Credit FIRST COMMUNITY CU
Sep 10, 2020	Warranty Deed, Transfer · FHA Mortgage GUILD MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 10, 2020 · Amount on File
Deed Sale	Sep 10, 2020 · Amount on File
Prior Sale	Jan 13, 1997
Deed Document Number	0202066550
Deed Book / Page	2020 / 66550
Record Updated	Jun 8, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1804 WINTER HILL DR, O FALLON, MO 63366-3937
Transaction Type	Mortgage
Record Updated	Dec 21, 2023
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1804 WINTER HILL DR, O FALLON, MO 63366-3937

Mortgage

Document Number	0000049986
Date	Dec 8, 2023
Instrument	2023R-049986

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92186

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	322 Months
Due	Oct 1, 2050

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1804 WINTER HILL DR, O FALLON, MO 63366-3937
Transaction Type	Mortgage
Record Updated	Feb 4, 2022
Title Company	CLEAR TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1904 WINTER HILL DR, O FALLON, MO 63366-3952

Mortgage

Document Number	0000004755
Date	Jan 24, 2022
Instrument	2022R-004755

Lender

Name	FIRST COMMUNITY CU
Type	Credit Union
Address	CHESTERFIELD, MO 63005

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Jan 1, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Sep 10, 2020
Property Address	1804 WINTER HILL DR, O FALLON, MO 63366-3937
Document Number	0000066550
Instrument Date	Sep 3, 2020
Instrument	66550
Transaction Type	Transfer
Record Updated	Nov 3, 2020
Title Company	FREEDOM TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment 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	1804 WINTER HILL DR O FALLON MO 633663937, O FALLON, MO 63366-3937

Mortgage

Document Number	66551
Date	Sep 10, 2020
Instrument	66551

Lender

Name	GUILD MTG
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 9, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 1804 Winter Hill Dr was $2,271.

Source: St. Charles County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Unified School District	Fort Zumwalt R-II School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,271.00	$38,270	$201,422
2023		$37,269
2022			$196,152 Land $50,000 Building $146,152

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 1804 Winter Hill 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 9 (5% 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 1804 Winter Hill Dr is low, with less than 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 98% of the US · lower than 96% 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 323 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Brightspeed, i3 Broadband, Verizon.

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