312 Westridge Dr, O Fallon, MO 63366 Property Records

St. Charles County property record for 312 Westridge Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,608 sqft · built 1989
Lot Size	0.266 acres (11,600 sqft)
Owner	Individual Name on File
Last Sale	$147,400 (Feb 2005)
Tax Bill	$3,175 (2025)
Deeds & Mortgages	Mar 2022 Mortgage May 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`A860000215`

Property Details

APN / Parcel Number

Primary APN	`A860000215`
Alternative APN	`2-057A-5854-00-0096.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,608 sqft Living Area
Gross Area	2,328 sqft
1st Floor Area	1,224 sqft
Basement Area	528 sqft
Finished Basement	384 sqft
Unfinished Basement	144 sqft

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Bi-Level
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	11,600 sqft (0.266 acres)
Lot Dimensions	145 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	24 sqft
Deck Area	Deck Area
Patio Area	232 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A860000215
Street Address	312 WESTRIDGE DR
City	O FALLON
State	MO
Zip	63366-7406
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WESTRIDGE #1 LOT 96
Legal Subdivision	WESTRIDGE #1
Legal Lot Number	96
Jurisdiction	ST CHARLES MO
Township / Civil Division	WENTZVILLE
Census Block Group	2
Census Block	2002
Census Tract	311802

Owner

312 Westridge Dr is owned and occupied by an individual who bought it in February 2005.

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

Owner of Record	Individual Name on File
Mailing Address	312 WESTRIDGE DR, O FALLON, MO 63366-7406
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.

Deeds, Mortgages & Sale History

Date	Document
Mar 14, 2022	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN MORTGAGE CORP
May 21, 2020	Deed of Trust, Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 2, 2005 · Amount on File
Deed Sale	Feb 2, 2005 · Amount on File
Prior Sale	Apr 7, 2000 · Amount on File
Deed Document Number	2005101690
Deed Book / Page	4091 / 1553
Prior Transfer Date	Jan 25, 2005
Prior Transfer Doc	0040911553
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	312 WESTRIDGE DR, O FALLON, MO 63366-7406
Transaction Type	Mortgage
Record Updated	Mar 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000014802
Date	Mar 14, 2022
Instrument	2022R-014802

Lender

Name	AMERICAN MORTGAGE CORP
Type	Mortgage Company
Address	SAINT LOUIS, MO 63114

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Apr 1, 2042

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	312 WESTRIDGE DR, O FALLON, MO 63366-7406
Document Number	0073040224
Instrument Date	May 21, 2020
Transaction Type	Mortgage
Record Updated	Aug 4, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	312 WESTRIDGE DR O FALLON MO 633667406, O FALLON, MO 63366-7406

Mortgage

Document Number	0073040224
Date	May 27, 2020
Book Page	007304/000224
Instrument	344170

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Amount	Amount on Record
Term	240 Months
Due	May 26, 2040

Tax Assessment & Valuation

The 2025 property tax bill for 312 Westridge Dr was $3,175, up 5.5% from the year before.

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		$49,290 (-)	$259,424 (-) Land $60,000 Building $199,424
2025	$3,175.00 (+5.52%)	$49,290	$259,424 Land $60,000 Building $199,424
2024	$3,009.00
2023		$45,333
2022			$238,596 Land $45,000 Building $193,596

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 312 Westridge Dr in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1979.

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

Wildfire risk around 312 Westridge Dr is low, with less than a 0.01% annual chance of 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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