431 Wild Oak Dr, O Fallon, MO 63368 Property Records

St. Charles County property record for 431 Wild Oak Dr, O Fallon, MO 63368

Property Summary

Property Type	Condominium
Details	3 bd · 2.5 ba · 1,710 sqft · built 2006
Lot Size	0.06 acres (2,614 sqft)
Owner	Individual Name on File
Last Sale	$280,000 (Feb 2026)
Tax Bill	$3,245 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Dec 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`T062000274`

Property Details

APN / Parcel Number

Primary APN	`T062000274`
Alternative APN	`4-0036-9977-00-037D.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,710 sqft Living Area
Gross Area	2,130 sqft
1st Floor Area	1,070 sqft

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Bi-Level
Exterior Material	Brick/Stone
Lot Area	2,614 sqft (0.06 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	35 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T062000274
Street Address	431 WILD OAK DR
City	O FALLON
State	MO
Zip	63368-7466
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	VLGS AT SPRINGHURST #2 LOT 37D
Legal Subdivision	VLGS AT SPRINGHURST #2
Legal Lot Number	37D
Jurisdiction	ST CHARLES MO
Township / Civil Division	BOONE
Census Block Group	1
Census Block	1011
Census Tract	312207

Owner

431 Wild Oak Dr, a condominium, is owned and occupied by an individual who bought it in February 2026.

Source: St. Charles County records, as of September 14, 2026

Owner of Record	Individual Name on File
Mailing Address	431 WILD OAK DR, O FALLON, MO 63368-7466
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

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 24, 2021	Warranty Deed, Transfer · Conventional Mortgage FRONTIER FINANCIAL INC
Dec 7, 2017	Quit Claim Deed, Transfer · Line of Credit AMERICAN BK/MO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 3, 2026 · Amount on File
Deed Sale	Feb 3, 2026 · Amount on File
Prior Sale	Sep 24, 2021 · Amount on File
Deed Document Number	20264912
Record Updated	Oct 29, 2026

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Sep 24, 2021
Property Address	431 WILD OAK DR, O FALLON, MO 63368-7466
Document Number	2021R080294
Map Reference	MB 42 PG 385
Instrument Date	Sep 23, 2021
Instrument	2021R-080294
Transaction Type	Transfer
Record Updated	Oct 6, 2021
Title Company	DUNE TITLE COMPANY LLC, TRUE TITLE COMPANY LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2063 AVALON MIST CIR, 2063, O FALLON, MO 63368-7337

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	150 WILLIAMSBURG LN, TROY, MO 63379-2963

Mortgage

Document Number	2021R080295
Date	Sep 24, 2021
Instrument	2021R-080295

Lender

Name	FRONTIER FINANCIAL INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

December 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CHARLES MO
Recording Date	Dec 7, 2017
Property Address	431 WILD OAK DR, O FALLON, MO 63368-7466
Document Number	0068492321
Book / Page	006849 / 002321
Instrument Date	Dec 5, 2017
Instrument	757480
Transaction Type	Transfer
Record Updated	Aug 28, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2063 AVALON MIST CIR O FALLON MO 633687337, O FALLON, MO 63368-7337

Mortgage

Document Number	68492323
Date	Dec 7, 2017
Book Page	006849/002323
Instrument	757490

Lender

Name	AMERICAN BK/MO
Type	Bank
Address	WRIGHT CITY, MO 63390

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 431 Wild Oak Dr was $3,245, up 10.9% from the year before.

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	Wentzville R-IV School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$48,631 (-)	$255,952 (-) Building $255,952
2025	$3,245.00 (+10.94%)	$48,631	$255,952 Building $255,952
2024	$2,925.00
2023		$42,527
2022			$223,828 Building $223,828

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 431 Wild Oak Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective August 25, 2024

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 431 Wild Oak Dr is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.6% 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.

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 353 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30

May also be available: AT&T, Brightspeed, Gateway Fiber, i3 Broadband, Verizon.

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