St. Charles County property record for 381 Westbrook Dr, O Fallon, MO 63366
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,642 sqft · built 1986 |
| Lot Size | 0.175 acres (7,623 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $124,500 (Aug 1999) |
| Deeds & Mortgages | May 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | A860001396 |
| Primary APN | A860001396 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 2,642 sqft Living Area |
| Gross Area | 3,143 sqft |
| 1st Floor Area | 1,411 sqft |
| Basement Area | 1,352 sqft |
| Finished Basement | 1,231 sqft |
| Unfinished Basement | 121 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 7,623 sqft (0.175 acres) |
| Lot Dimensions | 121 ft deep x 63 ft wide |
| Garage Type | Attached |
| Garage Area | 380 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 72 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | A860001396 |
|---|---|
| Street Address | 381 WESTBROOK DR |
| City | O FALLON |
| State | MO |
| Zip | 63366-2464 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WESTRIDGE ADDN LOT 5 |
| Legal Subdivision | WESTRIDGE ADDN |
| Legal Lot Number | 5 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | WENTZVILLE |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 311802 |
381 Westbrook Dr is owned and occupied by two individuals who bought it in August 1999.
Source: St. Charles County records, as of August 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 381 WESTBROOK DR, O FALLON, MO 63366-2464 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 31, 1999 · Amount on File |
| Deed Sale | Aug 31, 1999 · Amount on File |
| Deed Document Number | 199972802 |
| Deed Book / Page | 2300 / 434 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 381 WESTBROOK DR, O FALLON, MO 63366-2464 |
| Transaction Type | Mortgage |
| Record Updated | May 31, 2022 |
| Title Company | ELEVATED TITLE LLC |
| Name | Verified Name |
|---|---|
| Address | 381 WESTBROOK DR, O FALLON, MO 63366-2464 |
| Document Number | 0000028507 |
|---|---|
| Date | May 19, 2022 |
| Instrument | 2022R-028507 |
| Name | LOW VA RATES LLC |
|---|---|
| Type | Mortgage Company |
| Address | LINDON, UT 84042 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2052 |
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | O'Fallon City |
| Unified School District | Fort Zumwalt R-II School District (PK - 12) |
| Year | Assessed Value | Assessed Market Value |
|---|---|---|
| 2026 | $53,406 | $281,084 Land $60,000 Building $221,084 |
| 2023 | $48,842 | |
| 2022 | $257,064 Land $45,000 Building $212,064 |
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.
FEMA maps place 381 Westbrook 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 risk around 381 Westbrook Dr is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 94% of Missouri |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 338 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 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: Verizon, Wisper ISP.
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