St. Charles County property record for 438 Winter Wind Dr, O Fallon, MO 63366
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,483 sqft · built 1996 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $415,000 (Jun 2024) |
| Tax Bill | $4,706 (2025) |
| Deeds & Mortgages | Jul 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | A962000625 |
| Primary APN | A962000625 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,483 sqft Living Area |
| Gross Area | 4,297 sqft |
| 1st Floor Area | 1,307 sqft |
| Basement Area | 1,176 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Architectural Style | Bi-Level |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 10,019 sqft (0.23 acres) |
| Garage Type | Attached |
| Garage Area | 638 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 210 sqft |
| Patio Area | 96 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | A962000625 |
|---|---|
| Street Address | 438 WINTER WIND DR |
| City | O FALLON |
| State | MO |
| Zip | 63366-5536 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WINTERHAVEN LOT 83 |
| Legal Subdivision | WINTERHAVEN |
| Legal Lot Number | 83 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | LAKE ST. LOUIS |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 311712 |
Source: St. Charles County records, as of September 10, 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 | 438 WINTER WIND DR, O FALLON, MO 63366-5536 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 14, 2024 · Amount on Record |
| Deed Sale | Jun 14, 2024 · Amount on Record |
| Prior Sale | Mar 27, 2002 · Amount on Record |
| Deed Document Number | 202423410 |
| Prior Transfer Date | Jun 7, 2024 |
| Prior Transfer Doc | 0000023410 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 438 WINTER WIND DR, O FALLON, MO 63366-5536 |
| Transaction Type | Mortgage |
| Record Updated | Jul 27, 2022 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 438 WINTER WIND DR, O FALLON, MO 63366-5536 |
| Document Number | 0000039081 |
|---|---|
| Date | Jul 14, 2022 |
| Instrument | 2022R-039081 |
| Name | THIRD FSLA OF CLEVELAND |
|---|---|
| Type | Bank |
| Address | CLEVELAND, OH 44105 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.04% |
| Type Change Date | Aug 1, 2025 |
| Change Frequency | Annually |
| Min Rate At Change | 2% |
| Max Rate At Change | 5.04% |
| Index | Prime Rate |
| Max Rate | 9.04% |
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 | $73,379 (-) | $386,206 (-) Land $70,000 Building $316,206 | |
| 2025 | $4,706.00 | $73,379 (+12.98%) | $386,206 (+12.98%) Land $70,000 Building $316,206 |
| 2023 | $64,946 | ||
| 2022 | $341,822 Land $50,000 Building $291,822 |
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 | 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.
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.
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 |
| 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 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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