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412 Mossy Brook Dr, O Fallon, MO 63366 Property Records

St. Charles County property record for 412 Mossy Brook Dr, O Fallon, MO 63366

Property Summary

Property TypeSingle Family Home
Details3 bd · 3 ba · 2,560 sqft · built 2018
Lot Size0.214 acres (9,365 sqft)
Owner2 Individual Names on File
Last Sale$423,824 (Oct 2018)
Tax Bill$6,216 (2025)
Deeds & MortgagesMar 2020 Mortgage
Oct 2018 Sale & Mortgage
Flood ZoneZone AE (high risk)
APNT190300027

Property Details

APN / Parcel Number

Primary APNT190300027
Alternative APN
  • 2-0049-C631-00-0475.0000000

Interior

Bedrooms3 Beds
Full Baths3 Baths
Half Baths1 Half Bath
Total Rooms7 Rooms
Stories1 Story
Building Area2,560 sqft Living Area
Basement Area2,560 sqft

Exterior

Year BuiltBuilt 2018
Architectural StyleRanch
Exterior MaterialBrick
Lot Area9,365 sqft (0.214 acres)
Garage TypeAttached
Parking Spaces3 Parking Spaces

Utilities, Heating & Cooling

SewerConnected

Location & Zoning

Account NumberT190300027
Street Address412 MOSSY BROOK DR
CityO FALLON
StateMO
Zip63366-5053
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionBROOKSIDE VLG B #2-C LOT 475
Legal Range02E
Legal Township47N
Legal SubdivisionBROOKSIDE VLG B #2-C
Legal Lot Number475
JurisdictionST CHARLES MO
Township / Civil DivisionWENTZVILLE
Census Block Group2
Census Block2017
Census Tract312095

Owner

412 Mossy Brook Dr is owned and occupied by two individuals who bought it in October 2018.

Source: St. Charles County records, as of March 16, 2026

Owner of Record2 Individual Names on File
Mailing Address412 MOSSY BROOK DR, O FALLON, MO 63366-5053
OccupancyOwner Occupied
Owner TypeIndividual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

DateDocument
Mar 6, 2020Deed of Trust, Mortgage
GERSHMAN MTG
Oct 4, 2018Warranty Deed, Subdivision Related Transfer
GERSHMAN MTG

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleOct 4, 2018 · Amount on File
Deed SaleOct 4, 2018 · Amount on File
Deed Document Number0069861122
Deed Book / Page6986 / 1122
Record UpdatedJun 8, 2026

March 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST CHARLES MO
Property Address412 MOSSY BROOK DR, O FALLON, MO 63366-5053
Document Number0072520812
Instrument DateMar 6, 2020
Transaction TypeMortgage
Record UpdatedJun 26, 2020
Title CompanyINVESTORS TITLE COMPANY, INVESTORS TITLE CO.

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address412 MOSSY BROOK DR O FALLON MO 633665053, O FALLON, MO 63366-5053

Mortgage

Document Number0072520812
DateMar 20, 2020
Book Page007252/000812
Instrument171640
Lender
NameGERSHMAN MTG
TypeMortgage Company
AddressCHESTERFIELD, MO 63017
Agreement
AmountAmount on Record
Term360 Months
DueMar 19, 2050

October 2018: Warranty Deed, Subdivision Related Transfer

Document TypeWarranty Deed
JurisdictionST CHARLES MO
Recording DateOct 4, 2018
Property Address412 MOSSY BROOK DR, O FALLON, MO 63366-5053
Document Number0069861122
Book / Page006986 / 001122
Instrument DateOct 3, 2018
Instrument569430
Transaction TypeSubdivision Related Transfer
Record UpdatedAug 14, 2019
Title CompanySYNERGY TITLE

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address412 MOSSY BROOK DR O FALLON MO 633665053, O FALLON, MO 63366-5053

Mortgage

Document Number69861124
DateOct 4, 2018
Book Page006986/001124
Instrument569440
Lender
NameGERSHMAN MTG
TypeMortgage Company
AddressCHESTERFIELD, MO 63017
Agreement
AmountAmount on Record
Term360 Months
DueOct 3, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 412 Mossy Brook Dr was $6,216.

Source: St. Charles County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateMissouri
CountySt. Charles County
MunicipalityO'Fallon City
Unified School DistrictFort Zumwalt R-II School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$6,216.00$99,952$526,062 Land $70,000 Building $456,062
2023$87,856
2022$462,400 Land $50,000 Building $412,400

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

FEMA maps place 412 Mossy Brook Dr in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective August 25, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood ElevationVaries along the reach; see FIRM
Flood Insurance RequirementRequired
federally backed loans
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies2 in force
Nearby Flood Claims2 (2019–2022)
Most Recent ClaimJul 2022 · Severe Storms 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

Wildfire risk around 412 Mossy Brook Dr is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 94% of the US · lower than 91% of Missouri
Wildfire Likelihood0.03% annual chance
ExposureDirect
burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 52 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Cable		1,000 / 1,000
Starlink
Satellite		280 / 30
T-Mobile
Fixed Wireless		100 / 20

May also be available: Brightspeed, Verizon, Wisper ISP.

Cell Coverage

5G (outdoors only) and 4G LTE

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