St. Charles County property record for 40 Winding Trails Cir, O Fallon, MO 63366
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,780 sqft · built 1995 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $185,000 (Mar 2016) |
| Tax Bill | $4,052 (2025) |
| Deeds & Mortgages | May 2026 Mortgage Apr 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | A942000763 |
| Primary APN | A942000763 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,780 sqft Living Area |
| Gross Area | 3,952 sqft |
| 1st Floor Area | 1,780 sqft |
| Basement Area | 1,752 sqft |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| 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 | 68 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | A942000763 |
|---|---|
| Street Address | 40 WINDING TRAILS CIR |
| City | O FALLON |
| State | MO |
| Zip | 63366-3980 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WINDING WOODS #1 LOT 51 |
| Legal Subdivision | WINDING WOODS #1 |
| Legal Lot Number | 51 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | DARDENNE |
| Census Block Group | 1 |
| Census Block | 1023 |
| Census Tract | 311733 |
40 Winding Trails Cir is owned and occupied by two individuals who bought it in March 2016.
Source: St. Charles County records, as of August 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 40 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.
| Date | Document |
|---|---|
| May 11, 2026 | Deed of Trust, Mortgage · Conventional Mortgage ASIA BANK NATIONAL ASSOCIATION |
| Apr 7, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FLAT BRANCH HOME LOANS INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 7, 2016 · Amount on File |
| Deed Sale | Mar 7, 2016 · Amount on File |
| Deed Document Number | 2016129610 |
| Deed Book / Page | 6500 / 1060 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | May 11, 2026 |
| Property Address | 40 WINDING TRAILS CIR, O FALLON, MO 63366-3980 |
| Document Number | 0000021924 |
| Instrument Date | May 5, 2026 |
| Instrument | 202621924 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 40 WINDING TRAILS CIR, O FALLON, MO 63366-3980 |
| Document Number | 0000021924, |
|---|---|
| Date | May 11, 2026 |
| Instrument | 202621924 |
| Name | ASIA BANK NATIONAL ASSOCIATION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Jun 1, 2041 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.74% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 40 WINDING TRAILS CIR, O FALLON, MO 63366-3980 |
| Transaction Type | Mortgage |
| Record Updated | Apr 28, 2021 |
| Title Company | TITLE PARTNERS AGENCY LLC |
| Name | Verified Name |
|---|---|
| Address | 40 WINDING TRAILS CIR, O FALLON, MO 63366-3980 |
| Document Number | 2021R030680 |
|---|---|
| Date | Apr 7, 2021 |
| Instrument | 2021R-030680 |
| Name | FLAT BRANCH HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | COLUMBIA, MO 65201 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2051 |
The 2025 property tax bill for 40 Winding Trails Cir was $4,052, up 10.1% from the year before.
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 | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $63,079 (-) | $331,995 (-) Land $70,000 Building $261,995 | |
| 2025 | $4,052.00 (+10.08%) | $63,079 | $331,995 Land $70,000 Building $261,995 |
| 2024 | $3,681.00 | ||
| 2023 | $55,610 | ||
| 2022 | $292,682 Land $50,000 Building $242,682 |
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 40 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 |
|
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 40 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.
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 |
| 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 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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