448 Dusty Brook Dr, O Fallon, MO 63366 Property Records

St. Charles County property record for 448 Dusty Brook Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,276 sqft · built 2018
Lot Size	0.15 acres (6,534 sqft)
Owner	Individual Name on File
Last Sale	$229,076 (Apr 2019)
Tax Bill	$3,371 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Dec 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T190300084`

Property Details

APN / Parcel Number

Primary APN	`T190300084`
Alternative APN	`4-0052-C662-00-0018.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,276 sqft Living Area
Basement Area	1,276 sqft

Exterior

Year Built	Built 2018
Exterior Material	Composition/Composite
Lot Area	6,534 sqft (0.15 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Location & Zoning

Account Number	T190300084
Street Address	448 DUSTY BROOK DR
City	O FALLON
State	MO
Zip	63366-4992
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BROOKSIDE FOREST #1 LOT 18
Legal Range	02E
Legal Township	47N
Legal Subdivision	BROOKSIDE FOREST #1
Legal Lot Number	18
Jurisdiction	ST CHARLES MO
Township / Civil Division	WENTZVILLE
Census Block Group	2
Census Block	2023
Census Tract	312095

Owner

448 Dusty Brook Dr is owned and occupied by an individual who bought it in April 2019.

Source: St. Charles County records, as of March 16, 2026

Owner of Record	Individual Name on File
Mailing Address	448 DUSTY BROOK DR, O FALLON, MO 63366-4992
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.

Deeds, Mortgages & Sale History

Date	Document
Mar 16, 2021	Deed of Trust, Mortgage · FHA Mortgage GERSHMAN INVESTMENT CORP
Dec 19, 2019	Deed of Trust, Mortgage · FHA Mortgage GERSHMAN MTG
Apr 1, 2019	Warranty Deed, Transfer · FHA Mortgage GERSHMAN MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 1, 2019 · Amount on File
Deed Sale	Apr 1, 2019 · Amount on File
Deed Document Number	0070531326
Deed Book / Page	7053 / 1326
Record Updated	Jun 8, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	448 DUSTY BROOK DR, O FALLON, MO 63366-4992
Transaction Type	Mortgage
Record Updated	Oct 28, 2021
Title Company	INVESTORS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	448 DUSTY BROOK DR, O FALLON, MO 63366-4992

Mortgage

Document Number	2021R022777
Date	Mar 16, 2021
Instrument	2021R-022777

Lender

Name	GERSHMAN INVESTMENT CORP
Type	Mortgage Company
Address	CHESTERFIELD, MO 63017

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	357 Months
Due	Dec 1, 2050

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	448 DUSTY BROOK DR, O FALLON, MO 63366-4992
Document Number	0072091835
Instrument Date	Dec 19, 2019
Transaction Type	Mortgage
Record Updated	Feb 13, 2020
Title Company	INVESTORS TITLE COMPANY, INVESTORS TITLE CO.

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	448 DUSTY BROOK DR O FALLON MO 633664992, O FALLON, MO 63366-4992

Mortgage

Document Number	0072091835
Date	Jan 2, 2020
Book Page	007209/001835
Instrument	2630

Lender

Name	GERSHMAN MTG
Type	Mortgage Company
Address	CHESTERFIELD, MO 63017

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2050

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Apr 1, 2019
Property Address	448 DUSTY BROOK DR, O FALLON, MO 63366-4992
Document Number	0070531326
Book / Page	007053 / 001326
Instrument Date	Mar 29, 2019
Instrument	143830
Transaction Type	Transfer
Record Updated	Aug 14, 2019
Title Company	TITLE PARTNERS AGENCY LLC, TITLE PTRS AGCY LLC

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	448 DUSTY BROOK DR O FALLON MO 633664992, O FALLON, MO 63366-4992

Mortgage

Document Number	70531328
Date	Apr 1, 2019
Book Page	007053/001328
Instrument	143840

Lender

Name	GERSHMAN MTG
Type	Mortgage Company
Address	CHESTERFIELD, MO 63017

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 31, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 448 Dusty Brook Dr was $3,371.

Source: St. Charles County assessment roll, as of July 1, 2025

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
2025	$3,371.00	$50,537	$265,983 Land $52,500 Building $213,483
2023		$51,480
2022			$270,947 Building $270,947

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 448 Dusty Brook Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2019.

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 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

Wildfire risk around 448 Dusty Brook Dr is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 84% of Missouri
Wildfire Likelihood	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	OFALLON PWS serves 32,515 people · EPA ID MO6010588
Water Source	Purchased surface water from several systems
Last State Inspection	Aug 2024
Lead	2 ppb (2023–2025) 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 164 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Brightspeed, Wisper ISP.

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