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

St. Charles County property record for 415 Mossy Brook Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,560 sqft · built 2018
Lot Size	0.26 acres (11,326 sqft)
Owner	2 Trust Names on File
Tax Bill	$6,204 (2025)
Deeds & Mortgages	Sep 2020 Line of Credit Apr 2020 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`T190300035`

Property Details

APN / Parcel Number

Primary APN	`T190300035`
Alternative APN	`2-0049-C631-00-0483.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,560 sqft Living Area
Basement Area	2,560 sqft

Exterior

Year Built	Built 2018
Architectural Style	Ranch
Exterior Material	Brick
Lot Area	11,326 sqft (0.26 acres)
Garage Type	Attached
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	T190300035
Street Address	415 MOSSY BROOK DR
City	O FALLON
State	MO
Zip	63366-5054
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BROOKSIDE VLG B #2-C LOT 483
Legal Range	02E
Legal Township	47N
Legal Subdivision	BROOKSIDE VLG B #2-C
Legal Lot Number	483
Jurisdiction	ST CHARLES MO
Township / Civil Division	WENTZVILLE
Census Block Group	2
Census Block	2020
Census Tract	312095

Owner

415 Mossy Brook Dr is owner-occupied and held in a trust since March 2025.

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

Owner of Record	2 Trust Names on File
Co-owner	Co-owner on File
Mailing Address	415 MOSSY BROOK DR, O FALLON, MO 63366-5054
Occupancy	Owner Occupied
Owner Type	Company, Secondary Individual
Vesting	Trust

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

Date	Document
Sep 12, 2020	Deed of Trust, Mortgage · Line of Credit UMB BK
Apr 1, 2020	Deed of Trust, Mortgage NEW AMERICAN FNDG
May 15, 2019	Deed of Trust, Mortgage NEW AMERICAN FNDG

Assessor's Deed Record

Deed Names	3 Names on Deed
Prior Sale	Dec 13, 2018
Last Transfer Date	Mar 26, 2025
Transfer Doc	0000011742
Record Updated	Jun 8, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	415 MOSSY BROOK DR, O FALLON, MO 63366-5054
Document Number	0000075061
Instrument Date	Sep 12, 2020
Transaction Type	Mortgage
Record Updated	Dec 24, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	415 MOSSY BROOK DR O FALLON MO 633665054, O FALLON, MO 63366-5054

Mortgage

Document Number	0000075061
Date	Oct 6, 2020
Instrument	75061

Lender

Name	UMB BK
Type	Bank
Address	CHESTERFIELD, MO 63017-8325

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	415 MOSSY BROOK DR, O FALLON, MO 63366-5054
Document Number	0072641523
Instrument Date	Apr 1, 2020
Transaction Type	Mortgage
Record Updated	Jul 3, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	415 MOSSY BROOK DR O FALLON MO 633665054, O FALLON, MO 63366-5054

Mortgage

Document Number	0072641523
Date	Apr 7, 2020
Book Page	007264/001523
Instrument	213190

Lender

Name	NEW AMERICAN FNDG
Type	Funding / Finance Company
Address	TUSTIN, CA 92780

Agreement

Amount	Amount on Record
Term	360 Months
Due	Apr 6, 2050

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	415 MOSSY BROOK DR, O FALLON, MO 63366-5054
Document Number	0070770893
Instrument Date	May 15, 2019
Transaction Type	Mortgage
Record Updated	Aug 14, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	415 MOSSY BROOK DR O FALLON MO 633665054, O FALLON, MO 63366-5054

Mortgage

Document Number	0070770893
Date	May 21, 2019
Book Page	007077/000893
Instrument	243400

Lender

Name	NEW AMERICAN FNDG
Type	Funding / Finance Company
Address	TUSTIN, CA 92780

Agreement

Amount	Amount on Record
Term	360 Months
Due	May 20, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 415 Mossy Brook Dr was $6,204.

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

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
2025	$6,204.00	$99,756	$525,033 Land $70,000 Building $455,033
2023		$87,675
2022			$461,447 Land $50,000 Building $411,447

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 415 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 Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	2 (2019–2022)
Most Recent Claim	Jul 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 415 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 Risk	Low lower than 94% of the US · lower than 91% of Missouri
Wildfire Likelihood	0.03% annual chance
Exposure	Direct 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

Provider	Max 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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