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2604 Winter Haven Dr, O Fallon, MO 63366 Property Records

St. Charles County property record for 2604 Winter Haven Dr, O Fallon, MO 63366

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 2,318 sqft · built 1996
Lot Size0.26 acres (11,326 sqft)
OwnerCompany Name on File
Deeds & MortgagesJan 2024 Transfer
Jan 2021 Mortgage
Flood ZoneZone X (minimal risk)
APNA962000674

Property Details

APN / Parcel Number

Primary APNA962000674
Alternative APN
  • 2-0141-7338-00-0027.0000000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Total Rooms7 Rooms
Stories1 Story
Building Area2,318 sqft Living Area
Gross Area4,770 sqft
1st Floor Area2,198 sqft
Basement Area2,152 sqft
Finished Basement120 sqft
Unfinished Basement2,032 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1996
Effective Year BuiltEffective 1996
Architectural StyleRanch
Exterior MaterialBrick/Stone
Roof TypeGable
Roof MaterialAsphalt
Lot Area11,326 sqft (0.26 acres)
Garage TypeAttached
Garage Area420 sqft
Parking Spaces2 Parking Spaces
PorchOpen Porch
Porch Area268 sqft
Patio Area64 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C
Heating FuelGas
SewerConnected

Location & Zoning

Account NumberA962000674
Street Address2604 WINTER HAVEN DR
CityO FALLON
StateMO
Zip63366-5539
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionWINTERHAVEN LOT 27
Legal SubdivisionWINTERHAVEN
Legal Lot Number27
JurisdictionST CHARLES MO
Township / Civil DivisionLAKE ST. LOUIS
Census Block Group1
Census Block1000
Census Tract311712

Owner

2604 Winter Haven Dr, a single family home, is owned by a company.

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

Owner of RecordCompany Name on File
Mailing Address2604 WINTER HAVEN DR, O FALLON, MO 63366-5539
Owner TypeCompany
VestingBorrower in Default

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

DateDocument
Jan 8, 2024Correction Deed
Jan 7, 2021Deed of Trust, Mortgage
HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed NamesName on Deed
Record UpdatedSep 20, 2026

January 2024: Correction Deed

Document TypeCorrection Deed
JurisdictionST CHARLES MO
Recording DateJan 8, 2024
Property Address2604 WINTER HAVEN DR, O FALLON, MO 63366-5539
Document Number0000000869
Map ReferenceMB 32 PG 328
Instrument DateDec 21, 2023
Instrument2024R-000869
Record UpdatedJan 23, 2024

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated

Transferred From (Grantor/Seller)

NameVerified Name
Address2604 WINTER HAVEN DR, O FALLON, MO 63366-5539

Transferred To (Grantee/Buyer)

NameVerified Name
AddressPO BOX 11701, NEWARK, NJ 07101-4701

January 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST CHARLES MO
Property Address2604 WINTER HAVEN DR, O FALLON, MO 63366-5539
Document Number0000002265
Instrument DateJan 7, 2021
Transaction TypeMortgage
Record UpdatedMar 24, 2021
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000002265
DateJan 8, 2021
Instrument2265
Lender
NameHUD-HOUSING/URBAN DEV
Agreement
AmountAmount on Record

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateMissouri
CountySt. Charles County
MunicipalityO'Fallon City
Unified School DistrictFort Zumwalt R-II School District (PK - 12)

Tax Bill & Assessment History

YearAssessed ValueAssessed Market Value
2026$80,684$424,650 Land $70,000 Building $354,650
2023$72,529
2022$381,733 Land $50,000 Building $331,733

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 2604 Winter Haven Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective August 25, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 9 (5% premium discount)
Nearby Flood Policies1 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 2604 Winter Haven Dr is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 94% of the US · lower than 92% of Missouri
Wildfire Likelihood0.02% annual chance
ExposureDirect
burnable vegetation

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 SystemST CHARLES COUNTY PWSD 2
serves 100,587 people · EPA ID MO6024530
Water SourcePurchased surface water from ST LOUIS CITY PWS
Last State InspectionAug 2023
Lead2 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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

ProviderMax 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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