326 Wild Oak Dr, O Fallon, MO 63368 Property Records

St. Charles County property record for 326 Wild Oak Dr, O Fallon, MO 63368

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,740 sqft · built 2012
Lot Size	0.11 acres (4,792 sqft)
Owner	Individual Name on File
Last Sale	$206,000 (May 2017)
Tax Bill	$3,765 (2025)
Deeds & Mortgages	Nov 2023 Mortgage Jul 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`T062000318`

Property Details

APN / Parcel Number

Primary APN	`T062000318`
Alternative APN	`4-0036-9977-00-030E.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,740 sqft Living Area
Gross Area	2,824 sqft
1st Floor Area	1,056 sqft
Basement Area	684 sqft

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Architectural Style	Bi-Level
Exterior Material	Brick/Stone
Lot Area	4,792 sqft (0.11 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T062000318
Street Address	326 WILD OAK DR
City	O FALLON
State	MO
Zip	63368-7463
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VLGS AT SPRINGHURST #2 LOT 30E
Legal Subdivision	VLGS AT SPRINGHURST #2
Legal Lot Number	30E
Jurisdiction	ST CHARLES MO
Township / Civil Division	BOONE
Census Block Group	1
Census Block	1009
Census Tract	312207

Owner

326 Wild Oak Dr is owned and occupied by an individual who bought it in May 2017.

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

Owner of Record	Individual Name on File
Mailing Address	326 WILD OAK DR, O FALLON, MO 63368-7463
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
Nov 22, 2023	Deed of Trust, Mortgage WEST COMMUNITY CU
Jul 19, 2022	Deed of Trust, Mortgage · Line of Credit FIRST COMMUNITY CU
Jan 3, 2022	Deed of Trust, Mortgage · Conventional Mortgage BROKER SOLUTIONS INC
May 31, 2017	Warranty Deed, Transfer SMARTMORTGAGE.COM

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 31, 2017 · Amount on File
Deed Sale	May 31, 2017 · Amount on File
Prior Sale	Sep 18, 2012 · Amount on File
Deed Document Number	2017332830
Deed Book / Page	6751 / 2165
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	326 WILD OAK DR, O FALLON, MO 63368-7463
Transaction Type	Mortgage
Record Updated	Dec 6, 2023
Title Company	INVESTORS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	326 WILD OAK DR, O FALLON, MO 63368-7463

Mortgage

Document Number	0000048034
Date	Nov 22, 2023
Instrument	2023R-048034

Lender

Name	WEST COMMUNITY CU
Type	Credit Union
Address	O FALLON, MO 63368

Agreement

Amount	Amount on Record
Term	120 Months
Due	Nov 1, 2033

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	326 WILD OAK DR, O FALLON, MO 63368-7463
Transaction Type	Mortgage
Record Updated	Aug 2, 2022
Title Company	CLEAR TITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	326 WILD OAK DR, O FALLON, MO 63368-7463

Mortgage

Document Number	0000039914
Date	Jul 19, 2022
Instrument	2022R-039914

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	179 Months
Due	Jun 1, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	326 WILD OAK DR, O FALLON, MO 63368-7463
Transaction Type	Mortgage
Record Updated	Jan 14, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	326 WILD OAK DR, O FALLON, MO 63368-7463

Mortgage

Document Number	0000000154
Date	Jan 3, 2022
Instrument	2022R-000154

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company
Address	TUSTIN, CA 92780

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2052

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	May 31, 2017
Property Address	326 WILD OAK DR, O FALLON, MO 63368-7463
Document Number	0067512165
Book / Page	006751 / 002165
Instrument Date	May 25, 2017
Instrument	332830
Transaction Type	Transfer
Record Updated	Jul 20, 2017

Transaction

Amount	Amount on Record
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
Address	326 WILD OAK DR O FALLON MO 633687463, O FALLON, MO 63368-7463

Mortgage

Document Number	67512167
Date	May 31, 2017
Book Page	006751/002167
Instrument	332840

Lender

Name	SMARTMORTGAGE.COM
Type	Mortgage Company
Address	CHESTERFIELD, MO 63005

Agreement

Amount	Amount on Record
Term	240 Months
Due	May 30, 2037

Tax Assessment & Valuation

The 2025 property tax bill for 326 Wild Oak Dr was $3,765.

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	Wentzville R-IV School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$56,525 (-)	$297,499 (-) Land $60,000 Building $237,499
2025	$3,765.00	$56,525	$297,499 Land $60,000 Building $237,499
2023		$50,512
2022			$265,855 Land $50,000 Building $215,855

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 326 Wild Oak Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective August 25, 2024

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 326 Wild Oak 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 99.8% of the US · lower than 99.6% 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	ST CHARLES COUNTY PWSD 2 serves 100,587 people · EPA ID MO6024530
Water Source	Purchased surface water from ST LOUIS CITY PWS
Last State Inspection	Aug 2023
Lead	2 ppb (2026) 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 353 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30

May also be available: AT&T, Brightspeed, Gateway Fiber, i3 Broadband, Verizon.

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