412 Wild Oak Dr, O Fallon, MO 63368 Property Records

St. Charles County property record for 412 Wild Oak Dr, O Fallon, MO 63368

Property Summary

Property Type	Condominium
Details	3 bd · 2.5 ba · 1,490 sqft · built 2007
Lot Size	0.07 acres (3,049 sqft)
Owner	Individual Name on Record
Last Sale	$274,602 (Sep 2026)
Tax Bill	$3,048 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Oct 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T062000290`

Property Details

APN / Parcel Number

Primary APN	`T062000290`
Alternative APN	`4-0036-9977-00-053D.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,490 sqft Living Area
Gross Area	2,330 sqft
1st Floor Area	850 sqft
Basement Area	640 sqft

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Bi-Level
Exterior Material	Brick/Stone
Lot Area	3,049 sqft (0.07 acres)
Garage Type	Attached
Garage Area	200 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	40 sqft
Deck Area	Deck Area
Patio Area	190 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T062000290
Street Address	412 WILD OAK DR
City	O FALLON
State	MO
Zip	63368-7464
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	VLGS AT SPRINGHURST #2 LOT 53D
Legal Subdivision	VLGS AT SPRINGHURST #2
Legal Lot Number	53D
Jurisdiction	ST CHARLES MO
Township / Civil Division	BOONE
Census Block Group	1
Census Block	1012
Census Tract	312207

Owner

Source: St. Charles County records, as of September 23, 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	412 WILD OAK DR, O FALLON, MO 63368-7464
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Sep 3, 2026	Warranty Deed, Transfer · FHA Mortgage GUILD MORTGAGE COMPANY
Oct 16, 2023	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Apr 16, 2021	Warranty Deed, Transfer · FHA Mortgage STIFEL BANK & TRUST

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 3, 2026 · Amount on Record
Deed Sale	Sep 3, 2026 · Amount on Record
Prior Sale	Apr 16, 2021 · Amount on Record
Deed Document Number	202642344
Prior Transfer Date	Apr 15, 2021
Prior Transfer Doc	0000033767
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Sep 3, 2026
Property Address	412 WILD OAK DR, O FALLON, MO 63368-7464
Document Number	0000042344
Instrument Date	Aug 31, 2026
Instrument	202642344
Transaction Type	Transfer
Record Updated	Sep 15, 2026
Title Company	FOUNDERS TITLE COMPANY, FOUNDERS TITLE

Transaction

Tax	$0.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	412 WILD OAK DR, O FALLON, MO 63368-7464

Mortgage

Document Number	0000042345,
Date	Sep 3, 2026
Instrument	202642345

Lender

Name	GUILD MORTGAGE COMPANY

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Max Rate	-1%

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	412 WILD OAK DR, O FALLON, MO 63368-7464
Transaction Type	Mortgage
Record Updated	Oct 27, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	412 WILD OAK DR, O FALLON, MO 63368-7464

Mortgage

Document Number	0000042392
Date	Oct 16, 2023
Instrument	2023R-042392

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	331 Months
Due	May 1, 2051

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Apr 16, 2021
Property Address	412 WILD OAK DR, O FALLON, MO 63368-7464
Document Number	2021R033766
Map Reference	MB 42 PG 385
Instrument Date	Apr 15, 2021
Instrument	2021R-033766
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	TITLE PARTNERS AGENCY LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	140 NE MISTY MEADOW LN, 140, LEES SUMMIT, MO 64064-1289

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	412 WILD OAK DR, O FALLON, MO 63368-7464

Mortgage

Document Number	2021R033768
Date	Apr 16, 2021
Instrument	2021R-033768

Lender

Name	STIFEL BANK & TRUST
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

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	Wentzville R-IV School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$45,637 (-)	$240,197 (-) Building $240,197
2025	$3,048.00	$45,637 (+13.96%)	$240,197 (+13.97%) Building $240,197
2023		$40,045
2022			$210,763 Building $210,763

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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	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

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

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30

May also be available: AT&T, Brightspeed, Gateway Fiber, i3 Broadband, Verizon.

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