429 Winter Park Dr, O Fallon, MO 63366 Property Records

St. Charles County property record for 429 Winter Park Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,544 sqft · built 1997
Lot Size	0.22 acres (9,583 sqft)
Owner	2 Individual Names on Record
Last Sale	$135,312 (Feb 1998)
Tax Bill	$3,887 (2025)
Deeds & Mortgages	Nov 2023 Line of Credit Jul 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`A962000642`

Property Details

APN / Parcel Number

Primary APN	`A962000642`
Alternative APN	`2-0060-7338-00-0100.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,544 sqft Living Area
Gross Area	3,808 sqft
1st Floor Area	1,544 sqft
Basement Area	1,544 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Ranch
Exterior Material	Brick/Stone
Lot Area	9,583 sqft (0.22 acres)
Garage Type	Attached
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	100 sqft
Patio Area	200 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	A962000642
Street Address	429 WINTER PARK DR
City	O FALLON
State	MO
Zip	63366-5530
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WINTERHAVEN LOT 100
Legal Subdivision	WINTERHAVEN
Legal Lot Number	100
Jurisdiction	ST CHARLES MO
Township / Civil Division	LAKE ST. LOUIS
Census Block Group	1
Census Block	1003
Census Tract	311712

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	429 WINTER PARK DR, O FALLON, MO 63366-5530
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 6, 2023	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Jul 20, 2022	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Feb 22, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Mar 4, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 13, 1998 · Amount on Record
Deed Sale	Feb 13, 1998 · Amount on Record
Prior Sale	Feb 13, 1998
Deed Document Number	19989789
Deed Book / Page	2030 / 1076
Prior Transfer Date	Jan 30, 1998
Prior Transfer Doc	0000009788
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	429 WINTER PARK DR, O FALLON, MO 63366-5530
Transaction Type	Mortgage
Record Updated	Nov 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	429 WINTER PARK DR, O FALLON, MO 63366-5530
Investor	Possibly a Property Investor

Mortgage

Document Number	0000045653
Date	Nov 6, 2023
Instrument	2023R-045653

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Nov 23, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	429 WINTER PARK DR, O FALLON, MO 63366-5530
Transaction Type	Mortgage
Record Updated	Aug 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	429 WINTER PARK DR, O FALLON, MO 63366-5530

Mortgage

Document Number	0000040414
Date	Jul 20, 2022
Instrument	2022R-040414

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	429 WINTER PARK DR, O FALLON, MO 63366-5530
Transaction Type	Mortgage
Record Updated	Mar 24, 2021
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	429 WINTER PARK DR, O FALLON, MO 63366-5530

Mortgage

Document Number	2021R015529
Date	Feb 22, 2021
Instrument	2021R-015529

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	291 Months
Due	May 1, 2045

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	429 WINTER PARK DR, O FALLON, MO 63366-5530
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0072421236
Date	Mar 4, 2020
Book Page	7242/1236
Instrument	20200304000134590

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	CHESTERFIELD, MO 63005

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Apr 1, 2045

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$60,490 (-)	$318,370 (-) Building $318,370
2025	$3,887.00	$60,490 (+8.94%)	$318,370 (+8.94%)
2023		$55,527
2022			$292,250 Land $50,000 Building $242,250

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 · 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

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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