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

St. Charles County property record for 305 Wild River Ct, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,180 sqft · built 2018
Lot Size	0.209 acres (9,100 sqft)
Owner	2 Individual Names on Record
Last Sale	$400,000 (Jun 2024)
Tax Bill	$4,306 (2025)
Deeds & Mortgages	Feb 2020 Mortgage Oct 2018 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T180300079`

Property Details

APN / Parcel Number

Primary APN	`T180300079`
Alternative APN	`2-0087-C558-00-0690.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,180 sqft Living Area
Gross Area	3,740 sqft
1st Floor Area	1,220 sqft
Basement Area	960 sqft

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Bi-Level
Exterior Material	Brick/Stone
Lot Area	9,100 sqft (0.209 acres)
Garage Type	Attached
Garage Area	600 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	T180300079
Street Address	305 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 690
Legal Subdivision	RIVERDALE VLG B #3
Legal Lot Number	690
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 September 10, 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 WILD RIVER CT, O FALLON, MO 63366-1557
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 20, 2020	Deed of Trust, Mortgage · FHA Mortgage HOME POINT FINANCIAL CORPORATION
Oct 24, 2018	Grant Deed, Transfer OTHER
Jan 7, 2019	Warranty Deed, Subdivision Related Transfer · FHA Mortgage CMG MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 10, 2024 · Amount on Record
Deed Sale	Jun 10, 2024 · Amount on Record
Prior Sale	Jan 7, 2019 · Amount on Record
Deed Document Number	202422745
Record Updated	Oct 29, 2026

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	305 WILD RIVER CT, O FALLON, MO 63366-1557
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	COMMERCE TTL & CLOSING SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0072332307
Date	Feb 20, 2020
Book Page	7233/2307
Instrument	20200220000103640

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Lending Institution
Address	PARSIPPANY, NJ 07054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2050

October 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ST CHARLES MO
Recording Date	Oct 24, 2018
Property Address	305 WILD RIVER CT, O FALLON, MO 63366-1557
Document Number	0069941735
Book / Page	006994 / 001735
Instrument Date	Oct 23, 2018
Instrument	608620
Transaction Type	Transfer
Record Updated	Nov 16, 2018
Title Company	OTHER

Transaction

Amount	Amount Recorded
Tax	$0.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	239 FOX HILL RD ST CHARLES MO 633013745, ST CHARLES, MO 63301-3745
Investor	Possibly a Property Investor

January 2019: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jan 7, 2019
Property Address	305 WILD RIVER CT, O FALLON, MO 63366-1557
Document Number	0070222453
Book / Page	7022 / 2453
Map Reference	MB 49 PG 284
Instrument Date	Jan 3, 2018
Instrument	20190107000008490
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 9, 2021
Title Company	STELLAR TITLE AGENCY

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	305 WILD RIVER CT, O FALLON, MO 63366-1557

Mortgage

Document Number	20190107000008500
Date	Jan 7, 2019
Instrument	20190107000008500

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2049

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	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
2026		$70,181 (-)	$369,374 (-) Land $70,000 Building $299,374
2025	$4,306.00	$70,181 (+4.78%)	$369,374 (+4.78%) Land $70,000 Building $299,374
2023		$66,981
2022			$352,534 Land $55,000 Building $297,534

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
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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