St. Charles County property record for 28 Winding Trails Cir, O Fallon, MO 63366
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 3,012 sqft · built 1994 |
| Lot Size | 0.32 acres (13,939 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $212,500 (Jul 2009) |
| Tax Bill | $4,497 (2025) |
| Deeds & Mortgages | Apr 2026 Line of Credit May 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | A952000573 |
| Primary APN | A952000573 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 3,012 sqft Living Area |
| Gross Area | 4,144 sqft |
| 1st Floor Area | 1,772 sqft |
| Basement Area | 1,772 sqft |
| Finished Basement | 1,240 sqft |
| Unfinished Basement | 532 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 13,939 sqft (0.32 acres) |
| Garage Type | Attached |
| Garage Area | 600 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 68 sqft |
| Patio Area | 160 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | A952000573 |
|---|---|
| Street Address | 28 WINDING TRAILS CIR |
| City | O FALLON |
| State | MO |
| Zip | 63366-3980 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WINDING WOODS #2 LOT 57 |
| Legal Subdivision | WINDING WOODS #2 |
| Legal Lot Number | 57 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | DARDENNE |
| Census Block Group | 1 |
| Census Block | 1023 |
| Census Tract | 311733 |
28 Winding Trails Cir is owned and occupied by two individuals who bought it in July 2009.
Source: St. Charles County records, as of August 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 28 WINDING TRAILS CIR, O FALLON, MO 63366-3980 |
| 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.
| Date | Document |
|---|---|
| Apr 24, 2026 | Deed of Trust, Mortgage · Line of Credit U S BANK N A |
| May 20, 2021 | Deed of Trust, Mortgage · Conventional Mortgage GERSHMAN INVESTMENT CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 30, 2009 · Amount on File |
| Deed Sale | Jul 30, 2009 · Amount on File |
| Prior Sale | May 19, 2000 · Amount on File |
| Deed Document Number | 2009614120 |
| Deed Book / Page | 5239 / 2471 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Apr 24, 2026 |
| Property Address | 28 WINDING TRAILS CIR, O FALLON, MO 63366-3980 |
| Document Number | 0000018981 |
| Instrument Date | Apr 9, 2026 |
| Instrument | 202618981 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES |
| Name | Verified Name |
|---|---|
| Address | 28 WINDING TRAILS CIR, O FALLON, MO 63366-3980 |
| Document Number | 0000018981, |
|---|---|
| Date | Apr 24, 2026 |
| Instrument | 202618981 |
| Name | U S BANK N A |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 19, 2056 |
| Rate | 6.11% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 28 WINDING TRAILS CIR, O FALLON, MO 63366-3980 |
| Transaction Type | Mortgage |
| Record Updated | Jun 4, 2021 |
| Title Company | INVESTORS TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 28 WINDING TRAILS CIR, O FALLON, MO 63366-3980 |
| Document Number | 2021R043880 |
|---|---|
| Date | May 20, 2021 |
| Instrument | 2021R-043880 |
| Name | GERSHMAN INVESTMENT CORP |
|---|---|
| Type | Mortgage Company |
| Address | CHESTERFIELD, MO 63017 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jun 1, 2036 |
The 2025 property tax bill for 28 Winding Trails Cir was $4,497, up 11% from the year before.
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | O'Fallon City |
| Unified School District | Fort Zumwalt R-II School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $70,083 (-) | $368,859 (-) Land $77,000 Building $291,859 | |
| 2025 | $4,497.00 (+11.01%) | $70,083 | $368,859 Land $77,000 Building $291,859 |
| 2024 | $4,051.00 | ||
| 2023 | $61,268 | ||
| 2022 | $322,462 Land $55,000 Building $267,462 |
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.
FEMA maps place 28 Winding Trails Cir in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1982.
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 |
| Nearby Flood Claims | 6 (1982–1993) |
| Most Recent Claim | Jun 1993 · Severe Storms & Flooding |
| Claims by Event |
|
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.
The area around 28 Winding Trails Cir 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 260 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| i3 Broadband Fiber | 8,000 / 8,000 |
| 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: Verizon, Wisper ISP.
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