St. Charles County property record for 408 Wynchat Dr, O Fallon, MO 63366
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,090 sqft · built 2012 |
| Lot Size | 0.12 acres (5,227 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $349,900 (May 2026) |
| Tax Bill | $3,840 (2025) |
| Deeds & Mortgages | May 2026 Sale & Mortgage Apr 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | T110300033 |
| Primary APN | T110300033 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,090 sqft Living Area |
| Gross Area | 3,080 sqft |
| 1st Floor Area | 1,340 sqft |
| Basement Area | 1,340 sqft |
| Year Built | Built 2012 |
|---|---|
| Effective Year Built | Effective 2012 |
| Architectural Style | Ranch |
| Exterior Material | Vinyl |
| Lot Area | 5,227 sqft (0.12 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Heating Fuel | Gas |
|---|---|
| Sewer | Connected |
| Account Number | T110300033 |
|---|---|
| Street Address | 408 WYNCHAT DR |
| City | O FALLON |
| State | MO |
| Zip | 63366-2663 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WABASH WOODS #3 LOT 115 |
| Legal Subdivision | WABASH WOODS #3 |
| Legal Lot Number | 115 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | O'FALLON |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 311602 |
Source: St. Charles County records, as of October 14, 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 | 408 WYNCHAT DR, O FALLON, MO 63366-2663 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single |
| Date | Document |
|---|---|
| May 21, 2026 | Warranty Deed, Transfer · Conventional Mortgage CENTRAL TRUST BANK |
| Apr 20, 2022 | Warranty Deed, Transfer · Conventional Mortgage HOMETOWN LENDERS INC |
| Mar 17, 2020 | Loan Modification, Mortgage FIRST CMNTY CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 21, 2026 · Amount on Record |
| Deed Sale | May 21, 2026 · Amount on Record |
| Prior Sale | Apr 20, 2022 · Amount on Record |
| Deed Document Number | 202623895 |
| Prior Transfer Date | Jul 31, 2024 |
| Prior Transfer Doc | 0000030756 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | May 21, 2026 |
| Property Address | 408 WYNCHAT DR, O FALLON, MO 63366-2663 |
| Document Number | 0000023895 |
| Instrument Date | May 19, 2026 |
| Instrument | 202623895 |
| Transaction Type | Transfer |
| Record Updated | Aug 6, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 408 WYNCHAT DR, O FALLON, MO 63366-2663 |
| Document Number | 0000023896, |
|---|---|
| Date | May 21, 2026 |
| Instrument | 202623896 |
| Name | CENTRAL TRUST BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jun 1, 2041 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.74% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Apr 20, 2022 |
| Property Address | 408 WYNCHAT DR, O FALLON, MO 63366-2663 |
| Document Number | 0000022757 |
| Map Reference | MB 46 PG 257 |
| Instrument Date | Apr 14, 2022 |
| Instrument | 2022R-022757 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2024 |
| Title Company | US TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 408 WYNCHAT DR, O FALLON, MO 63366-2663 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 408 WYNCHAT DR, O FALLON, MO 63366-2663 |
| Document Number | 0000022758 |
|---|---|
| Date | Apr 20, 2022 |
| Instrument | 2022R-022758 |
| Name | HOMETOWN LENDERS INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2052 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 408 WYNCHAT DR, O FALLON, MO 63366-2663 |
| Document Number | 0072511162 |
| Instrument Date | Mar 17, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 30, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 408 WYNCHAT DR O FALLON MO 633662663, O FALLON, MO 63366-2663 |
| Document Number | 0072511162 |
|---|---|
| Date | Mar 19, 2020 |
| Book Page | 007251/001162 |
| Instrument | 167860 |
| Name | FIRST CMNTY CU |
|---|---|
| Address | CHESTERFIELD, MO 63005 |
| Amount | Amount Recorded |
|---|---|
| Term | 180 Months |
| Due | Mar 18, 2035 |
| Rate | 2.5% |
|---|
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 | $59,745 (-) | $314,447 (-) Land $70,001 Building $244,446 | |
| 2025 | $3,840.00 (+7.9%) | $59,745 (+11.17%) | $314,447 (+11.17%) Land $70,001 Building $244,446 |
| 2024 | $3,559.00 | ||
| 2023 | $53,742 | ||
| 2022 | $282,854 Land $50,001 Building $232,853 |
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.
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 | 3 in force |
| Nearby Flood Claims | 23 (1981–2022) |
| Claims Outside the SFHA | 2 of 23 |
| Most Recent Claim | Jul 2022 · Severe Storms And 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 96% 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.
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 390 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
May also be available: AT&T, Brightspeed, Gateway Fiber, T-Mobile, Verizon, Wisper ISP.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures