1909 Winter Hill Dr, O Fallon, MO 63366 Property Records

St. Charles County property record for 1909 Winter Hill Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,020 sqft · built 1981
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on File
Last Sale	$175,000 (Aug 2021)
Tax Bill	$2,656 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Jul 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`355432B003`

Property Details

APN / Parcel Number

Primary APN	`355432B003`
Alternative APN	`2-0060-5487-00-0404.0000000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,020 sqft Living Area
Gross Area	1,332 sqft
1st Floor Area	1,020 sqft

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Hip
Roof Material	Asphalt
Lot Area	6,970 sqft (0.16 acres)
Garage Type	Attached
Garage Area	312 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	20 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	355432B003
Street Address	1909 WINTER HILL DR
City	O FALLON
State	MO
Zip	63366-3951
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AE9
Legal Description	PEBBLE BROOK #4 LOT 404
Legal Subdivision	PEBBLE BROOK #4
Legal Lot Number	404
Jurisdiction	ST CHARLES MO
Township / Civil Division	WELDON SPRING
Census Block Group	2
Census Block	2008
Census Tract	311738

Owner

1909 Winter Hill 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 of Record	Individual Name on File
Mailing Address	1909 WINTER HILL DR, O FALLON, MO 63366-3951
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
Aug 18, 2021	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Jul 9, 2019	Warranty Deed, Transfer STIFEL BK&TR
May 16, 2018	Warranty Deed, Transfer DAS ACQUISITION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 18, 2021 · Amount on File
Deed Sale	Aug 18, 2021 · Amount on File
Prior Sale	Jul 9, 2019 · Amount on File
Deed Document Number	202169162
Record Updated	Oct 29, 2026

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Aug 18, 2021
Property Address	1909 WINTER HILL DR, O FALLON, MO 63366-3951
Document Number	2021R069162
Map Reference	MB 22 PG 11
Instrument Date	Aug 16, 2021
Instrument	2021R-069162
Transaction Type	Transfer
Record Updated	Aug 31, 2021
Title Company	CONTINENTAL, CONTINENTAL TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12 ROYALLRIDGE CT, 12, O FALLON, MO 63368-6854

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1909 WINTER HILL DR, O FALLON, MO 63366-3951

Mortgage

Document Number	2021R069163
Date	Aug 18, 2021
Instrument	2021R-069163

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

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

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jul 9, 2019
Property Address	1909 WINTER HILL DR, O FALLON, MO 63366-3951
Document Number	0071021554
Book / Page	007102 / 001554
Instrument Date	Jun 2, 2019
Instrument	346260
Transaction Type	Transfer
Record Updated	Jul 31, 2019
Title Company	OTHER

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	1909 WINTER HILL DR O FALLON MO 633663951, O FALLON, MO 63366-3951

Mortgage

Document Number	71021556
Date	Jul 9, 2019
Book Page	007102/001556
Instrument	346270

Lender

Name	STIFEL BK&TR
Type	Bank
Address	ST LOUIS, MO 63141

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jul 8, 2049

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	May 16, 2018
Property Address	1909 WINTER HILL DR, O FALLON, MO 63366-3951
Document Number	0069200604
Book / Page	006920 / 000604
Instrument Date	May 14, 2018
Instrument	272020
Transaction Type	Transfer
Record Updated	Jun 26, 2018
Title Company	OTHER

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	1909 WINTER HILL DR O FALLON MO 633663951, O FALLON, MO 63366-3951

Mortgage

Document Number	69200606
Date	May 16, 2018
Book Page	006920/000606
Instrument	272030

Lender

Name	DAS ACQUISITION
Address	ST LOUIS, MO 63141

Agreement

Amount	Amount on Record
Term	360 Months
Due	May 15, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 1909 Winter Hill Dr was $2,656.

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		$41,126 (-)	$216,450 (-) Building $216,450
2025	$2,656.00	$41,126	$216,450
2023		$39,064
2022			$205,602 Land $50,000 Building $155,602

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 1909 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

The area around 1909 Winter Hill 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 725 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Gateway Fiber, Verizon.

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