251 Rose Wind Dr, O Fallon, MO 63366 Property Records

St. Charles County property record for 251 Rose Wind Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,324 sqft · built 1991
Lot Size	0.22 acres (9,583 sqft)
Owner	2 Individual Names on Record
Last Sale	$289,900 (May 2024)
Tax Bill	$3,398 (2025)
Deeds & Mortgages	Apr 2026 Mortgage May 2024 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`A912000250`

Property Details

APN / Parcel Number

Primary APN	`A912000250`
Alternative APN	`2-0041-6670-00-0033.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,324 sqft Living Area
Gross Area	3,048 sqft
1st Floor Area	1,324 sqft
Basement Area	1,324 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,583 sqft (0.22 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	70 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A912000250
Street Address	251 ROSE WIND DR
City	O FALLON
State	MO
Zip	63366-4310
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUNDANCE GARDENS #3 LOT 33
Legal Subdivision	SUNDANCE GARDENS #3
Legal Lot Number	33
Jurisdiction	ST CHARLES MO
Township / Civil Division	O'FALLON
Census Block Group	1
Census Block	1006
Census Tract	311603

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	251 ROSE WIND DR, O FALLON, MO 63366-4310
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 20, 2026	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORPORATION
May 1, 2024	Warranty Deed, Transfer · FHA Mortgage GUARANTY BANK
Apr 22, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FREEDOM MORTGAGE CORP
Nov 13, 2018	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FIRST COMMUNITY CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 1, 2024 · Amount on Record
Deed Sale	May 1, 2024 · Amount on Record
Prior Sale	Sep 1, 2015 · Amount on Record
Deed Document Number	202416687
Prior Transfer Date	Aug 28, 2015
Prior Transfer Doc	0064132230
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Recording Date	Apr 20, 2026
Property Address	251 ROSE WIND DR, O FALLON, MO 63366-4310
Document Number	0000018048
Instrument Date	Apr 13, 2026
Instrument	202618048
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	251 ROSE WIND DR, O FALLON, MO 63366-4310

Mortgage

Document Number	0000018048,
Date	Apr 20, 2026
Instrument	202618048

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	301 Months
Due	May 1, 2051

Interest

Rate	6.11%
Max Rate	-1%

May 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	May 1, 2024
Property Address	251 ROSE WIND DR, O FALLON, MO 63366-4310
Document Number	0000016687
Map Reference	MB 30 PG 113
Instrument Date	Apr 25, 2024
Instrument	2024R-016687
Transaction Type	Transfer
Record Updated	May 15, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	251 ROSE WIND DR, O FALLON, MO 63366-4310

Mortgage

Document Number	0000016688
Date	May 1, 2024
Instrument	2024R-016688

Lender

Name	GUARANTY BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2054

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	251 ROSE WIND DR, O FALLON, MO 63366-4310
Transaction Type	Mortgage
Record Updated	May 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	251 ROSE WIND DR, O FALLON, MO 63366-4310

Mortgage

Document Number	0000023161
Date	Apr 22, 2022
Instrument	2022R-023161

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	DENVER, CO 80249

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	293 Months
Due	Sep 1, 2046

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	251 ROSE WIND DR, O FALLON, MO 63366-4310
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	251 ROSE WIND DR, O FALLON, MO 63366-4310

Mortgage

Document Number	0070012379
Date	Nov 13, 2018
Book Page	7001/2379
Instrument	20181113000641070

Lender

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

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	119 Months
Due	Oct 30, 2028

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		$52,802 (-)	$277,905 (-) Land $55,000 Building $222,905
2025	$3,398.00 (+0.68%)	$52,802 (+3.69%)	$277,905 (+3.69%) Land $55,000 Building $222,905
2024	$3,375.00
2023		$50,924
2022			$268,024 Land $40,000 Building $228,024

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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	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 453 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Gateway Fiber Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Socket Telecom, Verizon, Wisper ISP.

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