St. Charles County property record for 431 Mossy Brook Dr, O Fallon, MO 63366
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4.5 ba · 4,000 sqft · built 2022 |
| Lot Size | 0.319 acres (13,913 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $735,106 (Feb 2023) |
| Tax Bill | $8,916 (2025) |
| Deeds & Mortgages | Feb 2023 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | T220300123 |
| Primary APN | T220300123 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 4,000 sqft Living Area |
| Gross Area | 5,002 sqft |
| Basement Area | 1,590 sqft |
| Finished Basement | 588 sqft |
| Unfinished Basement | 1,002 sqft |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Architectural Style | Bi-Level |
| Exterior Material | Brick |
| Lot Area | 13,913 sqft (0.319 acres) |
| Parking Spaces | 3 Parking Spaces |
| Account Number | T220300123 |
|---|---|
| Street Address | 431 MOSSY BROOK DR |
| City | O FALLON |
| State | MO |
| Zip | 63366-5071 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BROOKSIDE ADDN #1 LOT 89 |
| Legal Subdivision | BROOKSIDE ADDN #1 |
| Legal Lot Number | 89 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | WENTZVILLE |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 312095 |
431 Mossy Brook Dr is owned and occupied by two individuals who bought it in February 2023.
Source: St. Charles County records, as of September 10, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 431 MOSSY BROOK DR, O FALLON, MO 63366-5071 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 24, 2023 · Amount on File |
| Deed Sale | Feb 24, 2023 · Amount on File |
| Deed Document Number | 20236935 |
| Record Updated | Oct 29, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Feb 24, 2023 |
| Property Address | 431 MOSSY BROOK DR, O FALLON, MO 63366-5071 |
| Document Number | 0000006935 |
| Map Reference | DOC 2021R-081188 |
| Instrument Date | Feb 24, 2023 |
| Instrument | 2023R-006935 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Oct 20, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2299 TECHNOLOGY DR STE 150, 150, O FALLON, MO 63368-7343 |
| Name | Verified Name |
|---|---|
| Address | 431 MOSSY BROOK DR, O FALLON, MO 63366-5071 |
| Document Number | 0000006936 |
|---|---|
| Date | Feb 24, 2023 |
| Instrument | 2023R-006936 |
| Name | HOMESITE MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2053 |
The 2025 property tax bill for 431 Mossy Brook Dr was $8,916.
Source: St. Charles County assessment roll, as of August 7, 2026
| 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 |
|---|---|---|---|
| 2026 | $143,660 (-) | $756,106 (-) Land $73,500 Building $682,606 | |
| 2025 | $8,916.00 | $143,660 | $756,106 Land $73,500 Building $682,606 |
| 2023 | $9,975 | ||
| 2022 | $52,500 Land $52,500 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 431 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 risk around 431 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.
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.
5G (outdoors only) and 4G LTE
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