304 Wild River Ct, O Fallon, MO 63366 Property Records

St. Charles County property record for 304 Wild River Ct, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,601 sqft · built 2017
Lot Size	0.245 acres (10,650 sqft)
Owner	2 Individual Names on Record
Last Sale	$119,700 (Nov 2020)
Tax Bill	$3,936 (2024)
Deeds & Mortgages	Nov 2018 Mortgage Nov 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T180300070`

Property Details

APN / Parcel Number

Primary APN	`T180300070`
Alternative APN	`2-0087-C558-00-0681.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,601 sqft Living Area
Gross Area	3,862 sqft
1st Floor Area	1,601 sqft
Basement Area	1,601 sqft

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Architectural Style	Ranch
Exterior Material	Stone
Lot Area	10,650 sqft (0.245 acres)
Garage Type	Attached
Garage Area	660 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	T180300070
Street Address	304 WILD RIVER CT
City	O FALLON
State	MO
Zip	63366-1557
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RIVERDALE VLG B #3 LOT 681
Legal Subdivision	RIVERDALE VLG B #3
Legal Lot Number	681
Jurisdiction	ST CHARLES MO
Township / Civil Division	WENTZVILLE
Census Block Group	2
Census Block	2005
Census Tract	312001

Owner

Source: St. Charles County records, as of January 16, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	304 WILD RIVER CT, O FALLON, MO 63366-1557
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 15, 2018	Deed of Trust, Mortgage · Conventional Mortgage FIRST COMMUNITY CU
Nov 20, 2020	Warranty Deed, Transfer CARDINAL FIN'L
Oct 19, 2020	Deed of Trust, Mortgage · Line of Credit HNB NAT'L BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 20, 2020 · Amount on Record
Deed Sale	Nov 20, 2020 · Amount on Record
Prior Sale	Aug 20, 2018 · Amount on Record
Deed Document Number	202090691
Last Transfer Date	Dec 8, 2020
Transfer Doc	2020R097582
Record Updated	Jun 8, 2026

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	304 WILD RIVER CT, O FALLON, MO 63366-1557
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TOUCHSTONE TITLE & ABSTRACT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0070030655
Date	Nov 15, 2018
Book Page	7003/0655
Instrument	20181115000646640

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Dec 1, 2028

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Nov 20, 2020
Property Address	304 WILD RIVER CT, O FALLON, MO 63366-1557
Document Number	0000090691
Instrument Date	Nov 12, 2020
Instrument	90691
Transaction Type	Transfer
Record Updated	Mar 5, 2021
Title Company	SELECT TITLE GROUP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	304 WILD RIVER CT O FALLON MO 633661557, O FALLON, MO 63366-1557

Mortgage

Document Number	90692
Date	Nov 20, 2020
Instrument	90692

Lender

Name	CARDINAL FIN'L
Type	Funding / Finance Company
Address	CHARLOTTE, NC 28273

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Nov 19, 2035

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	304 WILD RIVER CT, O FALLON, MO 63366-1557
Document Number	0000082002
Instrument Date	Oct 19, 2020
Transaction Type	Mortgage
Record Updated	Feb 15, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	304 WILD RIVER CT ST PAUL MO 633661557, ST PAUL, MO 63366-1557

Mortgage

Document Number	0000082002
Date	Oct 27, 2020
Instrument	82002

Lender

Name	HNB NAT'L BK
Type	Bank
Address	WENTZVILLE, MO 63385

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Oct 26, 2030

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of August 13, 2025

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Municipality	St. Paul City
Unified School District	Fort Zumwalt R-II School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$62,855 (+0.85%)	$330,816 (+0.85%) Land $70,000 Building $260,816
2024	$3,936.00
2023		$62,325
2022			$328,026 Land $55,000 Building $273,026

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	25 (1982–2015)
Claims Outside the SFHA	1 of 25
Most Recent Claim	Jun 2015 · river or lake flooding
Claims by Event	Severe Storms, Tornadoes, Flooding, Apr 1994 · 3 claims Severe Storms & Flooding, Sep 1993 · 8 claims

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	Low lower than 80% of the US · lower than 84% of Missouri
Wildfire Likelihood	0.01% annual chance
Exposure	Direct 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 System	ST PAUL PWS serves 1,700 people · EPA ID MO6011535
Water Source	Groundwater
Last State Inspection	Aug 2024
Lead	Under 1 ppb (2022–2024) 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 185 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Gateway Fiber Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Brightspeed Fiber	940 / 940
T-Mobile Fixed Wireless	100 / 20

May also be available: Wisper ISP.

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