418 Winter Wind Dr, O Fallon, MO 63366 Property Records

St. Charles County property record for 418 Winter Wind Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,230 sqft · built 1996
Lot Size	0.29 acres (12,632 sqft)
Owner	2 Individual Names on File
Last Sale	$289,900 (May 2020)
Tax Bill	$4,376 (2025)
Deeds & Mortgages	Jan 2022 Mortgage May 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`A962000630`

Property Details

APN / Parcel Number

Primary APN	`A962000630`
Alternative APN	`2-0060-7338-00-0088.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,230 sqft Living Area
Gross Area	3,985 sqft
1st Floor Area	1,142 sqft
Basement Area	1,088 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Bi-Level
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,632 sqft (0.29 acres)
Garage Type	Attached
Garage Area	667 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	170 sqft
Patio Area	260 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	A962000630
Street Address	418 WINTER WIND DR
City	O FALLON
State	MO
Zip	63366-5536
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WINTERHAVEN LOT 88
Legal Subdivision	WINTERHAVEN
Legal Lot Number	88
Jurisdiction	ST CHARLES MO
Township / Civil Division	LAKE ST. LOUIS
Census Block Group	1
Census Block	1003
Census Tract	311712

Owner

418 Winter Wind Dr is owned and occupied by two individuals who bought it in May 2020.

Source: St. Charles County records, as of August 7, 2026

Owner of Record	2 Individual Names on File
Mailing Address	418 WINTER WIND DR, O FALLON, MO 63366-5536
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.

Deeds, Mortgages & Sale History

Date	Document
Jan 26, 2022	Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP
May 11, 2020	Warranty Deed, Transfer · Conventional Mortgage FRONTIER FINANCIAL INC
Jun 13, 2017	Deed of Trust, Mortgage · FHA Mortgage GOLDEN OAK LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 11, 2020 · Amount on File
Deed Sale	May 11, 2020 · Amount on File
Prior Sale	Jan 8, 2014 · Amount on File
Deed Document Number	2020301120
Deed Book / Page	7291 / 1828
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	418 WINTER WIND DR, O FALLON, MO 63366-5536
Transaction Type	Mortgage
Record Updated	Feb 8, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	418 WINTER WIND DR, O FALLON, MO 63366-5536

Mortgage

Document Number	0000005205
Date	Jan 26, 2022
Instrument	2022R-005205

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	May 11, 2020
Property Address	418 WINTER WIND DR, O FALLON, MO 63366-5536
Document Number	0072911828
Book / Page	7291 / 1828
Map Reference	MB 32 PG 328
Instrument Date	May 8, 2020
Instrument	20200511000301120
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	INVESTORS TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11105 FOUNTAIN GRASS CIR, 11105, LAKE SAINT LOUIS, MO 63367-4149

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	418 WINTER WIND DR, O FALLON, MO 63366-5536

Mortgage

Document Number	20200511000301130
Date	May 11, 2020
Instrument	20200511000301130

Lender

Name	FRONTIER FINANCIAL INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2050

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	418 WINTER WIND DR, O FALLON, MO 63366-5536
Document Number	0067611629
Book / Page	006761 / 001629
Instrument Date	Jun 13, 2017
Transaction Type	Mortgage
Record Updated	Jul 28, 2017
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	418 WINTER WIND DR O FALLON MO 633665536, O FALLON, MO 63366-5536

Mortgage

Document Number	0067611629
Date	Jun 20, 2017
Book Page	006761/001629
Instrument	374330

Lender

Name	GOLDEN OAK LNDG
Address	SAINT LOUIS, MO 63146

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 19, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 418 Winter Wind Dr was $4,376.

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	Fort Zumwalt R-II School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$68,176 (-)	$358,822 (-) Land $70,000 Building $288,822
2025	$4,376.00	$68,176	$358,822 Land $70,000 Building $288,822
2023		$60,625
2022			$319,081 Land $50,000 Building $269,081

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 418 Winter Wind Dr in Zone X, an area of minimal flood risk.

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	1 in force

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

The area around 418 Winter Wind Dr has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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 323 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Gateway Fiber Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Brightspeed, i3 Broadband, Verizon.

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