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

St. Charles County property record for 437 Wild Oak Dr, O Fallon, MO 63368

Property Summary

Property Type	Condominium
Details	3 bd · 2.5 ba · 1,290 sqft · built 2011
Lot Size	0.04 acres (1,742 sqft)
Owner	Individual Name on File
Last Sale	$209,900 (May 2025)
Tax Bill	$2,669 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Apr 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`T062000271`

Property Details

APN / Parcel Number

Primary APN	`T062000271`
Alternative APN	`4-0036-9977-00-034D.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,290 sqft Living Area
Gross Area	1,490 sqft
1st Floor Area	650 sqft

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Architectural Style	Bi-Level
Exterior Material	Brick/Stone
Lot Area	1,742 sqft (0.04 acres)
Garage Type	Attached
Garage Area	200 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	28 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T062000271
Street Address	437 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 34D
Legal Subdivision	VLGS AT SPRINGHURST #2
Legal Lot Number	34D
Jurisdiction	ST CHARLES MO
Township / Civil Division	BOONE
Census Block Group	1
Census Block	1011
Census Tract	312207

Owner

437 Wild Oak Dr, a condominium, is owned and occupied by an individual who bought it in May 2025.

Source: St. Charles County records, as of September 10, 2026

Owner of Record	Individual Name on File
Mailing Address	437 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
Apr 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO
Apr 11, 2017	Warranty Deed, Transfer · Conventional Mortgage MIDLAND STATES BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 21, 2025 · Amount on File
Deed Sale	May 21, 2025 · Amount on File
Prior Sale	Apr 11, 2017 · Amount on File
Deed Document Number	202521176
Prior Transfer Date	May 25, 2022
Prior Transfer Doc	0000033523
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	437 WILD OAK DR, O FALLON, MO 63368-7466
Transaction Type	Mortgage
Record Updated	May 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	437 WILD OAK DR, DARDENNE PRAIRIE, MO 63368-7466

Mortgage

Document Number	2021R036581
Date	Apr 27, 2021
Instrument	2021R-036581

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

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

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Apr 11, 2017
Property Address	437 WILD OAK DR, O FALLON, MO 63368-7466
Document Number	0067252452
Book / Page	6725 / 2452
Map Reference	MB 42 PG 385
Instrument Date	Apr 7, 2017
Instrument	20170411000216170
Transaction Type	Transfer
Record Updated	Aug 9, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	837 SAN SEBASTIAN DR, 837, FENTON, MO 63026-3034

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	437 WILD OAK DR, O FALLON, MO 63368-7466

Mortgage

Document Number	20170411000216180
Date	Apr 11, 2017
Instrument	20170411000216180

Lender

Name	MIDLAND STATES BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 437 Wild Oak Dr was $2,669.

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		$39,881 (-1.31%)	$209,900 (-1.31%) Building $209,900
2025	$2,669.00	$40,410	$212,686
2023		$33,484
2022			$176,231 Building $176,231

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 437 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 437 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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