36 Winding Trails Cir, O Fallon, MO 63366 Property Records

St. Charles County property record for 36 Winding Trails Cir, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,418 sqft · built 1995
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on File
Last Sale	$118,000 (Dec 1998)
Tax Bill	$3,556 (2025)
Deeds & Mortgages	Aug 2026 Mortgage May 2024 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`A952000569`

Property Details

APN / Parcel Number

Primary APN	`A952000569`
Alternative APN	`2-0061-7129-00-0053.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,418 sqft Living Area
Gross Area	3,238 sqft
1st Floor Area	1,418 sqft
Basement Area	1,400 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Ranch
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,019 sqft (0.23 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	40 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A952000569
Street Address	36 WINDING TRAILS CIR
City	O FALLON
State	MO
Zip	63366-3980
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WINDING WOODS #2 LOT 53
Legal Subdivision	WINDING WOODS #2
Legal Lot Number	53
Jurisdiction	ST CHARLES MO
Township / Civil Division	DARDENNE
Census Block Group	1
Census Block	1023
Census Tract	311733

Owner

36 Winding Trails Cir is owned and occupied by two individuals who bought it in December 1998.

Source: St. Charles County records, as of August 14, 2026

Owner of Record	2 Individual Names on File
Mailing Address	36 WINDING TRAILS CIR, O FALLON, MO 63366-3980
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
Aug 4, 2026	Deed of Trust, Mortgage · VA Mortgage FEDERAL SAVINGS BANK
May 7, 2024	Deed of Trust, Mortgage · VA Mortgage ENDEAVOR CAPITAL LLC
Aug 25, 2020	Deed of Trust, Mortgage · VA Mortgage VILLAGE CAPITAL & INVESTMENT LLC
Sep 28, 2019	Deed of Trust, Mortgage · VA Mortgage ENDEAVOR CAP
Jan 11, 2019	Deed of Trust, Mortgage · VA Mortgage ENDEAVOR CAP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 14, 1998 · Amount on File
Deed Sale	Dec 14, 1998 · Amount on File
Deed Document Number	199899513
Deed Book / Page	2174 / 1432
Record Updated	Sep 20, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Recording Date	Aug 4, 2026
Property Address	36 WINDING TRAILS CIR, O FALLON, MO 63366-3980
Document Number	0000036991
Instrument Date	Jul 27, 2026
Instrument	202636991
Transaction Type	Mortgage
Record Updated	Aug 14, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	36 WINDING TRAILS CIR, O FALLON, MO 63366-3980

Mortgage

Document Number	0000036991,
Date	Aug 4, 2026
Instrument	202636991

Lender

Name	FEDERAL SAVINGS BANK

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate	6.49%
Max Rate	-1%

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	36 WINDING TRAILS CIR, O FALLON, MO 63366-3980
Transaction Type	Mortgage
Record Updated	May 20, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000017348
Date	May 7, 2024
Instrument	2024R-017348

Lender

Name	ENDEAVOR CAPITAL LLC
Type	Mortgage Company
Address	CHESTERFIELD, MO 63017

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2054

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	36 WINDING TRAILS CIR, O FALLON, MO 63366-3980
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	36 WINDING STAIR WAY, O FALLON, MO 63368-6123

Mortgage

Document Number	0073800151
Date	Aug 25, 2020
Book Page	7380/151
Instrument	20200825000615490

Lender

Name	VILLAGE CAPITAL & INVESTMENT LLC
Type	Mortgage Company
Address	HENDERSON, NV 89052

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	36 WINDING TRAILS CIR, O FALLON, MO 63366-3980
Document Number	0071581491
Instrument Date	Sep 28, 2019
Transaction Type	Mortgage
Record Updated	Nov 1, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	36 WINDING TRAILS CIR O FALLON MO 633663980, O FALLON, MO 63366-3980

Mortgage

Document Number	0071581491
Date	Oct 8, 2019
Book Page	007158/001491
Instrument	561980

Lender

Name	ENDEAVOR CAP
Type	Funding / Finance Company
Address	CHESTERFIELD, MO 63017

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 7, 2049

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	36 WINDING TRAILS CIR, O FALLON, MO 63366-3980
Document Number	0070260575
Instrument Date	Jan 11, 2019
Transaction Type	Mortgage
Record Updated	Feb 5, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	36 WINDING TRAILS CIR O FALLON MO 633663980, O FALLON, MO 63366-3980

Mortgage

Document Number	0070260575
Date	Jan 16, 2019
Book Page	007026/000575
Instrument	24710

Lender

Name	ENDEAVOR CAP
Type	Funding / Finance Company
Address	CHESTERFIELD, MO 63017

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 15, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 36 Winding Trails Cir was $3,556.

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		$55,279 (-)	$290,943 (-) Building $290,943
2025	$3,556.00	$55,279	$290,943
2023		$51,029
2022			$268,572 Land $50,000 Building $218,572

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 36 Winding Trails Cir in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1982.

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
Nearby Flood Claims	6 (1982–1993)
Most Recent Claim	Jun 1993 · Severe Storms & Flooding
Claims by Event	Severe Storms & Flooding, Jun 1993 · 3 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

Wildfire risk around 36 Winding Trails Cir is low, with 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 97% of the US · lower than 95% of Missouri
Wildfire Likelihood	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 260 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
i3 Broadband Fiber	8,000 / 8,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Verizon, Wisper ISP.

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