305 Westbrook Dr, O Fallon, MO 63366 Property Records

St. Charles County property record for 305 Westbrook Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,268 sqft · built 1985
Lot Size	0.19 acres (8,280 sqft)
Owner	2 Individual Names on Record
Last Sale	$145,200 (Oct 2016)
Tax Bill	$3,138 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit May 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`A860000202`

Property Details

APN / Parcel Number

Primary APN	`A860000202`
Alternative APN	`2-057A-5854-00-0042.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,268 sqft Living Area
Gross Area	2,516 sqft
1st Floor Area	1,268 sqft
Basement Area	648 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Ranch
Exterior Material	Masonry Veneer
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,280 sqft (0.19 acres)
Lot Dimensions	138 ft deep x 60 ft wide
Garage Type	Attached
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	88 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A860000202
Street Address	305 WESTBROOK DR
City	O FALLON
State	MO
Zip	63366-2464
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WESTRIDGE #1 LOT 42
Legal Subdivision	WESTRIDGE #1
Legal Lot Number	42
Jurisdiction	ST CHARLES MO
Township / Civil Division	WENTZVILLE
Census Block Group	2
Census Block	2000
Census Tract	311802

Owner

Source: St. Charles County records, as of October 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	305 WESTBROOK DR, O FALLON, MO 63366-2464
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 30, 2026	Deed of Trust, Mortgage · Line of Credit HERITAGE COMMUNITY BANK
May 13, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 17, 2016 · Amount on Record
Deed Sale	Oct 17, 2016 · Amount on Record
Prior Sale	Jan 3, 2013 · Amount on Record
Deed Document Number	2016694790
Deed Book / Page	6633 / 449
Prior Transfer Date	Jun 14, 2012
Prior Transfer Doc	0058001053
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Recording Date	Sep 30, 2026
Property Address	305 WESTBROOK DR, O FALLON, MO 63366-2464
Document Number	0000046509
Instrument Date	Sep 24, 2026
Instrument	202646509
Transaction Type	Mortgage
Record Updated	Oct 16, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	305 WESTBROOK DR, O FALLON, MO 63366-2464

Mortgage

Document Number	0000046509,
Date	Sep 30, 2026
Instrument	202646509

Lender

Name	HERITAGE COMMUNITY BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Oct 5, 2031

Interest

Max Rate	-1%

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	305 WESTBROOK DR, O FALLON, MO 63366-2464
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0072940523
Date	May 13, 2020
Book Page	7294/523
Instrument	20200513000308650

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	306 Months
Due	Nov 1, 2045

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		$48,703 (-)	$256,331 (-) Land $60,000 Building $196,331
2025	$3,138.00 (+6.66%)	$48,703 (+9.89%)	$256,331 (+9.89%) Land $60,000 Building $196,331
2024	$2,942.00
2023		$44,319
2022			$233,259 Land $45,000 Building $188,259

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
Nearby Flood Claims	5 (1979–2015)
Claims Outside the SFHA	3 of 5
Most Recent Claim	Dec 2015 · Severe Storms, Tornadoes, Straight-line Winds, And Flooding

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 99.1% of the US · lower than 98.2% of Missouri
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 299 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
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Wisper ISP.

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