323 Westridge Dr, O Fallon, MO 63366 Property Records

St. Charles County property record for 323 Westridge Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,222 sqft · built 1985
Lot Size	0.24 acres (10,437 sqft)
Owner	Individual Name on File
Last Sale	$359,900 (Mar 2025)
Tax Bill	$3,303 (2025)
Deeds & Mortgages	Oct 2022 Mortgage Apr 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`A860000171`

Property Details

APN / Parcel Number

Primary APN	`A860000171`
Alternative APN	`2-057A-5854-00-0011.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,222 sqft Living Area
Gross Area	2,914 sqft
1st Floor Area	1,284 sqft
Basement Area	1,250 sqft
Finished Basement	938 sqft
Unfinished Basement	312 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Ranch
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,437 sqft (0.24 acres)
Lot Dimensions	147 ft deep x 71 ft wide
Garage Type	Attached
Garage Area	380 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	264 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A860000171
Street Address	323 WESTRIDGE DR
City	O FALLON
State	MO
Zip	63366-7407
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WESTRIDGE #1 LOT 11
Legal Subdivision	WESTRIDGE #1
Legal Lot Number	11
Jurisdiction	ST CHARLES MO
Township / Civil Division	WENTZVILLE
Census Block Group	2
Census Block	2031
Census Tract	311802

Owner

323 Westridge Dr is owned and occupied by an individual who bought it in March 2025.

Source: St. Charles County records, as of September 10, 2026

Owner of Record	Individual Name on File
Mailing Address	323 WESTRIDGE DR, O FALLON, MO 63366-7407
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

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
Oct 12, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage STIFEL BANK & TRUST
Apr 14, 2022	Warranty Deed, Transfer · Conventional Mortgage STIFEL BANK & TRUST
Sep 2, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage ELECTRO SAVINGS CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 24, 2025 · Amount on File
Deed Sale	Mar 24, 2025 · Amount on File
Prior Sale	Apr 14, 2022 · Amount on File
Deed Document Number	202511340
Prior Transfer Date	Aug 25, 2021
Prior Transfer Doc	0000074043
Record Updated	Oct 29, 2026

October 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Oct 12, 2022
Property Address	323 WESTRIDGE DR, O FALLON, MO 63366-7407
Document Number	0000055827
Map Reference	MB 24 PG 78
Instrument Date	Oct 6, 2022
Instrument	2022R-055827
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	CTC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1800 1ST CAPITOL DR, SAINT CHARLES, MO 63301-1645

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	323 WESTRIDGE DR, O FALLON, MO 63366-7407

Mortgage

Document Number	0000055828
Date	Oct 12, 2022
Instrument	2022R-055828

Lender

Name	STIFEL BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2052

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Apr 14, 2022
Property Address	323 WESTRIDGE DR, O FALLON, MO 63366-7407
Document Number	0000021469
Map Reference	MB 24 PG 78
Instrument Date	Apr 12, 2022
Instrument	2022R-021469
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	CONTINENTAL, CONTINENTAL TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2617 SIBLEY ST, SAINT CHARLES, MO 63301-1363

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	323 WESTRIDGE DR, O FALLON, MO 63366-7407

Mortgage

Document Number	0000021471
Date	Apr 14, 2022
Instrument	2022R-021471

Lender

Name	STIFEL BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2052

September 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Sep 2, 2021
Property Address	323 WESTRIDGE DR, O FALLON, MO 63366-7407
Document Number	0000074043
Map Reference	MB 24 PG 78
Instrument Date	Aug 25, 2021
Instrument	2021R-074043
Transaction Type	Transfer
Record Updated	Jan 17, 2024

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	323 WESTRIDGE DR, O FALLON, MO 63366-7407

Mortgage

Document Number	0000074044
Date	Sep 2, 2021
Instrument	2021R-074044

Lender

Name	ELECTRO SAVINGS CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 323 Westridge Dr was $3,303.

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		$56,845 (+10.79%)	$299,184 (+10.79%) Land $60,000 Building $239,184
2025	$3,303.00	$51,307	$270,037 Land $60,000 Building $210,037
2023		$44,844
2022			$236,020 Land $45,000 Building $191,020

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 323 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 323 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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