393 Westbrook Dr, O Fallon, MO 63366 Property Records

St. Charles County property record for 393 Westbrook Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,262 sqft · built 1986
Lot Size	0.217 acres (9,460 sqft)
Owner	2 Individual Names on Record
Last Sale	$99,000 (May 1997)
Tax Bill	$3,053 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Nov 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`A860001393`

Property Details

APN / Parcel Number

Primary APN	`A860001393`
Alternative APN	`2-057A-5895-00-0002.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,262 sqft Living Area
Gross Area	2,892 sqft
1st Floor Area	1,262 sqft
Basement Area	1,212 sqft

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	9,460 sqft (0.217 acres)
Lot Dimensions	215 ft deep x 44 ft wide
Garage Type	Attached
Garage Area	418 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	72 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A860001393
Street Address	393 WESTBROOK DR
City	O FALLON
State	MO
Zip	63366-2464
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WESTRIDGE ADDN LOT 2
Legal Subdivision	WESTRIDGE ADDN
Legal Lot Number	2
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	2 Individual Names on Record
Mailing Address	393 WESTBROOK DR, O FALLON, MO 63366-2464
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 24, 2026	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC
Nov 17, 2023	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC
May 31, 2022	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC
Mar 24, 2020	Deed of Trust, Mortgage · FHA Mortgage CARDINAL FIN'L

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 23, 1997 · Amount on Record
Deed Sale	May 23, 1997 · Amount on Record
Deed Document Number	199727833
Deed Book / Page	1941 / 1939
Record Updated	Sep 20, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	393 WESTBROOK DR, O FALLON, MO 63366-2464
Transaction Type	Mortgage
Record Updated	Mar 11, 2026
Title Company	AMERICAS SETTLEMENT COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	393 WESTBROOK DR, O FALLON, MO 63366-2464

Mortgage

Document Number	0000008429
Date	Feb 24, 2026
Instrument	2026R-008429

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company
Address	WEST PALM BEACH, FL 33401

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	393 WESTBROOK DR, O FALLON, MO 63366-2464
Transaction Type	Mortgage
Record Updated	Dec 6, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	393 WESTBROOK DR, O FALLON, MO 63366-2464

Mortgage

Document Number	0000047326
Date	Nov 17, 2023
Instrument	2023R-047326

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company
Address	FULTON, MD 20759

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2053

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	393 WESTBROOK DR, O FALLON, MO 63366-2464
Transaction Type	Mortgage
Record Updated	Jun 14, 2022
Title Company	AMC SETTLEMENT SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	393 WESTBROOK DR, O FALLON, MO 63366-2464

Mortgage

Document Number	0000030451
Date	May 31, 2022
Instrument	2022R-030451

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company
Address	FULTON, MD 20759

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	393 WESTBROOK DR, O FALLON, MO 63366-2464
Document Number	0000077049
Instrument Date	Mar 24, 2020
Transaction Type	Mortgage
Record Updated	Jan 28, 2021
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	393 WESTBROOK DR O FALLON MO 633662464, O FALLON, MO 63366-2464

Mortgage

Document Number	0000077049
Date	Oct 13, 2020
Instrument	77049

Lender

Name	CARDINAL FIN'L
Type	Funding / Finance Company
Address	CHARLOTTE, NC 28273

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 12, 2050

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		$47,379 (-)	$249,362 (-) Land $60,000 Building $189,362
2025	$3,053.00	$47,379 (+10.08%)	$249,362 (+10.08%) Land $60,000 Building $189,362
2023		$43,039
2022			$226,521 Land $45,000 Building $181,521

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 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	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 372 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Gateway Fiber Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon, Wisper ISP.

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