1920 Winter Hill Dr, O Fallon, MO 63366 Property Records

St. Charles County property record for 1920 Winter Hill Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,239 sqft · built 1981
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on Record
Last Sale	$189,000 (Sep 2020)
Tax Bill	$2,954 (2025)
Deeds & Mortgages	Dec 2023 Line of Credit Sep 2020 Second Mortgage
Flood Zone	Zone X (minimal risk)
APN	`355432B011`

Property Details

APN / Parcel Number

Primary APN	`355432B011`
Alternative APN	`2-0060-5487-00-0412.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,239 sqft Living Area
Gross Area	1,938 sqft
1st Floor Area	1,002 sqft
Basement Area	456 sqft
Finished Basement	237 sqft
Unfinished Basement	219 sqft

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,970 sqft (0.16 acres)
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Deck Area	Deck Area
Patio Area	186 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	355432B011
Street Address	1920 WINTER HILL DR
City	O FALLON
State	MO
Zip	63366-3952
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AE9
Legal Description	PEBBLE BROOK #4 LOT 412
Legal Subdivision	PEBBLE BROOK #4
Legal Lot Number	412
Jurisdiction	ST CHARLES MO
Township / Civil Division	WELDON SPRING
Census Block Group	2
Census Block	2008
Census Tract	311738

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	1920 WINTER HILL DR, O FALLON, MO 63366-3952
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 1, 2023	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Sep 23, 2020	Deed of Trust, Mortgage · Stand-Alone Second Mortgage MISSOURI HOUSING DEVELOPMENT COMMISSION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 23, 2020 · Amount on Record
Deed Sale	Sep 23, 2020 · Amount on Record
Prior Sale	Sep 23, 2020 · Amount on Record
Deed Document Number	202070750
Prior Transfer Date	Apr 16, 2004
Prior Transfer Doc	0000355010
Record Updated	Oct 29, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1920 WINTER HILL DR, O FALLON, MO 63366-3952
Transaction Type	Mortgage
Record Updated	Dec 15, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1920 WINTER HILL DR, O FALLON, MO 63366-3952

Mortgage

Document Number	0000048877
Date	Dec 1, 2023
Instrument	2023R-048877

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Dec 19, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1920 WINTER HILL DR, O FALLON, MO 63366-3952
Transaction Type	Mortgage
Record Updated	Oct 21, 2022
Title Company	INVESTORS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000070752
Date	Sep 23, 2020
Instrument	2020R-070752

Lender

Name	MISSOURI HOUSING DEVELOPMENT COMMISSION
Type	Government Agency
Address	KANSAS CITY, MO 64105

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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		$45,814 (-)	$241,127 (-) Building $241,127
2025	$2,954.00 (+5.84%)	$45,814 (+9.07%)	$241,127 (+9.07%) Building $241,127
2024	$2,791.00
2023		$42,006
2022			$221,084 Land $50,000 Building $171,084

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

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

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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