389 Westbrook Dr, O Fallon, MO 63366 Property Records

St. Charles County property record for 389 Westbrook Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,378 sqft · built 1986
Lot Size	0.246 acres (10,710 sqft)
Owner	Individual Name on Record
Last Sale	$207,400 (Jul 2016)
Tax Bill	$3,504 (2025)
Deeds & Mortgages	Mar 2024 Mortgage Jun 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`A860001394`

Property Details

APN / Parcel Number

Primary APN	`A860001394`
Alternative APN	`2-057A-5895-00-0003.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,378 sqft Living Area
Gross Area	3,412 sqft
1st Floor Area	1,434 sqft
Basement Area	1,418 sqft
Finished Basement	944 sqft
Unfinished Basement	474 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Ranch
Exterior Material	Wood Siding
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,710 sqft (0.246 acres)
Lot Dimensions	170 ft deep x 63 ft wide
Garage Type	Attached
Garage Area	560 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	30 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A860001394
Street Address	389 WESTBROOK DR
City	O FALLON
State	MO
Zip	63366-2464
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WESTRIDGE ADDN LOT 3
Legal Subdivision	WESTRIDGE ADDN
Legal Lot Number	3
Jurisdiction	ST CHARLES MO
Township / Civil Division	WENTZVILLE
Census Block Group	2
Census Block	2004
Census Tract	311802

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	389 WESTBROOK DR, O FALLON, MO 63366-2464
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 26, 2024	Deed of Trust, Mortgage · Closed-End Mortgage NEWREZ LLC
Jun 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HOME LOANS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 14, 2016 · Amount on Record
Deed Sale	Jul 14, 2016 · Amount on Record
Prior Sale	Jan 19, 2016 · Amount on Record
Deed Document Number	2016440410
Deed Book / Page	6573 / 1430
Prior Transfer Date	May 28, 2013
Prior Transfer Doc	0060241920
Record Updated	Oct 29, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	389 WESTBROOK DR, O FALLON, MO 63366-2464
Transaction Type	Mortgage
Record Updated	Apr 10, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	389 WESTBROOK DR, O FALLON, MO 63366-2464

Mortgage

Document Number	0000011201
Date	Mar 26, 2024
Instrument	2024R-011201

Lender

Name	NEWREZ LLC
Type	Mortgage Company
Address	FORT WASHINGTON, PA 19034

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2054

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	389 WESTBROOK DR, O FALLON, MO 63366-2464
Transaction Type	Mortgage
Record Updated	Jul 14, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021R054796
Date	Jun 29, 2021
Instrument	2021R-054796

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jul 1, 2036

Tax Assessment & Valuation

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		$54,459 (-)	$286,625 (-) Land $60,000 Building $226,625
2025	$3,504.00 (+6.02%)	$54,459 (+9.23%)	$286,625 (+9.23%) Land $60,000 Building $226,625
2024	$3,305.00
2023		$49,857
2022			$262,403 Land $45,000 Building $217,403

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

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

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.

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 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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