St. Charles County property record for 420 Wynchat Dr, O Fallon, MO 63366
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,544 sqft · built 2012 |
| Lot Size | 0.119 acres (5,227 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $269,000 (Jun 2019) |
| Tax Bill | $4,861 (2025) |
| Deeds & Mortgages | Apr 2021 Mortgage Apr 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | T110300039 |
| Primary APN | T110300039 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 2,544 sqft Living Area |
| Basement Area | 1,232 sqft |
| Year Built | Built 2012 |
|---|---|
| Architectural Style | Split Level |
| Exterior Material | Composition/Composite |
| Lot Area | 5,227 sqft (0.119 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Sewer | Connected |
|---|
| Account Number | T110300039 |
|---|---|
| Old Parcel Number | T110300039 |
| Street Address | 420 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 121 |
| Legal Range | 03E |
| Legal Township | 47N |
| Legal Subdivision | WABASH WOODS #3 |
| Legal Lot Number | 121 |
| 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 March 16, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 420 WYNCHAT DR, O FALLON, MO 63366-2663 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 30, 2021 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Apr 13, 2020 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Jun 13, 2019 | Warranty Deed, Transfer · FHA Mortgage STIFEL BK&TR |
| Jan 18, 2017 | Warranty Deed, Transfer EVERBANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 13, 2019 · Amount on Record |
| Deed Sale | Jun 13, 2019 · Amount on Record |
| Prior Sale | Jan 18, 2017 |
| Deed Document Number | 0070881934 |
| Deed Book / Page | 7088 / 1934 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 420 WYNCHAT DR, O FALLON, MO 63366-2663 |
| Transaction Type | Mortgage |
| Record Updated | May 13, 2021 |
| Title Company | INSPIRE CLOSING SERVICES LLC |
| Name | Verified Name |
|---|---|
| Address | 420 WYNCHAT DR, O FALLON, MO 63366-2663 |
| Document Number | 2021R038069 |
|---|---|
| Date | Apr 30, 2021 |
| Instrument | 2021R-038069 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 342 Months |
| Due | Oct 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 420 WYNCHAT DR, O FALLON, MO 63366-2663 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0072680731 |
|---|---|
| Date | Apr 13, 2020 |
| Book Page | 7268/731 |
| Instrument | 20200413000225810 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | CHESTERFIELD, MO 63005 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 352 Months |
| Due | Aug 1, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jun 13, 2019 |
| Property Address | 420 WYNCHAT DR, O FALLON, MO 63366-2663 |
| Document Number | 0070881934 |
| Book / Page | 007088 / 001934 |
| Instrument Date | May 3, 2019 |
| Instrument | 290030 |
| Transaction Type | Transfer |
| Record Updated | Jul 9, 2019 |
| Title Company | OTHER |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 420 WYNCHAT DR O FALLON MO 633662663, O FALLON, MO 63366-2663 |
| Document Number | 70881937 |
|---|---|
| Date | Jun 13, 2019 |
| Book Page | 007088/001937 |
| Instrument | 290040 |
| Name | STIFEL BK&TR |
|---|---|
| Type | Bank |
| Address | SAINT LOUIS, MO 63141 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 12, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jan 18, 2017 |
| Property Address | 420 WYNCHAT DR, O FALLON, MO 63366-2663 |
| Document Number | 0066870599 |
| Book / Page | 006687 / 000599 |
| Instrument Date | Jan 12, 2017 |
| Instrument | 37340 |
| Transaction Type | Transfer |
| Record Updated | Feb 20, 2017 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 420 WYNCHAT DR O FALLON MO 633662663, O FALLON, MO 63366-2663 |
| Document Number | 66870601 |
|---|---|
| Date | Jan 18, 2017 |
| Book Page | 006687/000601 |
| Instrument | 37350 |
| Name | EVERBANK |
|---|---|
| Type | Bank |
| Address | JACKSONVILLE, FL 32202 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jan 17, 2047 |
Source: St. Charles County assessment roll, as of July 1, 2025
| 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 |
|---|---|---|---|
| 2025 | $4,861.00 | $75,809 (+9.18%) | $398,995 (+9.18%) Land $70,001 Building $328,994 |
| 2023 | $69,436 | ||
| 2022 | $365,451 Land $50,001 Building $315,450 |
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 99.1% of the US · lower than 98.2% 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.
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