2005 Winter Hill Dr, O Fallon, MO 63366 Property Records

St. Charles County property record for 2005 Winter Hill Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,020 sqft · built 1983
Lot Size	0.16 acres (6,970 sqft)
Owner	2 Individual Names on Record
Last Sale	$227,000 (Nov 2022)
Tax Bill	$2,795 (2025)
Deeds & Mortgages	Nov 2025 Second Mortgage Nov 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`355432B034`

Property Details

APN / Parcel Number

Primary APN	`355432B034`
Alternative APN	`2-0060-5527-00-0505.0000000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,020 sqft Living Area
Gross Area	2,352 sqft
1st Floor Area	1,020 sqft
Basement Area	1,020 sqft

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
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

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

Location & Zoning

Account Number	355432B034
Street Address	2005 WINTER HILL DR
City	O FALLON
State	MO
Zip	63366-3958
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	PEBBLE BROOK #5A LOT 505
Legal Subdivision	PEBBLE BROOK #5A
Legal Lot Number	505
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 September 10, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	2005 WINTER HILL DR, O FALLON, MO 63366-3958
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 20, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage COMMERCE BANK
Nov 23, 2022	Warranty Deed, Transfer · Conventional Mortgage COMMERCE BANK
Aug 8, 2022	Warranty Deed, Transfer FREEDOM TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 23, 2022 · Amount on Record
Deed Sale	Nov 23, 2022 · Amount on Record
Prior Sale	Aug 8, 2022 · Amount on Record
Deed Document Number	202262759
Prior Transfer Date	Nov 2, 1998
Prior Transfer Doc	0000050871
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	2005 WINTER HILL DR, O FALLON, MO 63366-3958
Transaction Type	Mortgage
Record Updated	Dec 9, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2005 WINTER HILL DR, O FALLON, MO 63366-3958

Mortgage

Document Number	0000052344
Date	Nov 20, 2025
Instrument	2025R-052344

Lender

Name	COMMERCE BANK
Type	Bank
Address	KANSAS CITY, MO 64106

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Nov 20, 2035

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Nov 23, 2022
Property Address	2005 WINTER HILL DR, O FALLON, MO 63366-3958
Document Number	0000062759
Map Reference	MB 22 PG 54
Instrument Date	Nov 22, 2022
Instrument	2022R-062759
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	TITLE PARTNERS AGENCY LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1400 TRIAD CENTER DR, SAINT PETERS, MO 63376-7351

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2005 WINTER HILL DR, O FALLON, MO 63366-3958

Mortgage

Document Number	0000062760
Date	Nov 23, 2022
Instrument	2022R-062760

Lender

Name	COMMERCE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2052

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Aug 8, 2022
Property Address	2005 WINTER HILL DR, O FALLON, MO 63366-3958
Document Number	0000043745
Map Reference	MB 22 PG 54
Instrument Date	Aug 1, 2022
Instrument	2022R-043745
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	FREEDOM TITLE

Transaction

Tax	$0.00
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1400 TRIAD CENTER DR, SAINT PETERS, MO 63376-7351

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		$43,311 (-)	$227,954 (-) Building $227,954
2025	$2,795.00	$43,311 (+5.29%)	$227,954 (+5.29%)
2023		$41,135
2022			$216,502 Land $50,000 Building $166,502

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.

Nearby Properties on Winter Hill Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures