450 Mossy Brook Dr, O Fallon, MO 63366 Property Records

St. Charles County property record for 450 Mossy Brook Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,200 sqft · built 2022
Lot Size	0.27 acres (11,779 sqft)
Owner	2 Individual Names on File
Last Sale	$689,000 (Jul 2023)
Tax Bill	$8,520 (2025)
Deeds & Mortgages	Jul 2023 Mortgage Nov 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`T220300101`

Property Details

APN / Parcel Number

Primary APN	`T220300101`
Alternative APN	`2-0105-D136-00-0006.0000000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,200 sqft Living Area
Gross Area	5,120 sqft
Basement Area	1,920 sqft

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Lot Area	11,779 sqft (0.27 acres)
Parking Spaces	3 Parking Spaces

Location & Zoning

Account Number	T220300101
Street Address	450 MOSSY BROOK DR
City	O FALLON
State	MO
Zip	63366-5053
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BROOKSIDE ADDN #1 LOT 6
Legal Subdivision	BROOKSIDE ADDN #1
Legal Lot Number	6
Jurisdiction	ST CHARLES MO
Township / Civil Division	WENTZVILLE
Census Block Group	2
Census Block	2010
Census Tract	312095

Owner

450 Mossy Brook Dr is owned and occupied by two individuals who bought it in July 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	450 MOSSY BROOK DR, O FALLON, MO 63366-5053
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
Jul 5, 2023	Warranty Deed, Transfer · Conventional Mortgage FIRST STATE BANK OF ST CHARLES MO
Nov 15, 2022	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage STIFEL BANK & TRUST

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 5, 2023 · Amount on File
Deed Sale	Jul 5, 2023 · Amount on File
Prior Sale	Nov 15, 2022 · Amount on File
Deed Document Number	202326163
Record Updated	Oct 29, 2026

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jul 5, 2023
Property Address	450 MOSSY BROOK DR, O FALLON, MO 63366-5053
Document Number	0000026163
Map Reference	DOC 2021R-081188
Instrument Date	Jun 30, 2023
Instrument	2023R-026163
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	SELECT TITLE GROUP

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	450 MOSSY BROOK DR, O FALLON, MO 63366-5053

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	450 MOSSY BROOK DR, O FALLON, MO 63366-5053

Mortgage

Document Number	0000026164
Date	Jul 5, 2023
Instrument	2023R-026164

Lender

Name	FIRST STATE BANK OF ST CHARLES MO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2053

November 2022: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Nov 15, 2022
Property Address	450 MOSSY BROOK DR, O FALLON, MO 63366-5053
Document Number	0000061678
Map Reference	DOC 2021R-081188
Instrument Date	Nov 15, 2022
Instrument	2022R-061678
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 17, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2299 TECHNOLOGY DR STE 150, 150, O FALLON, MO 63368-7343

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	450 MOSSY BROOK DR, O FALLON, MO 63366-5053

Mortgage

Document Number	0000061679
Date	Nov 15, 2022
Instrument	2022R-061679

Lender

Name	STIFEL BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Type Change Date	Dec 1, 2032
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	8.5%
Index	Other
Margin	3
Max Rate	8.5%

Tax Assessment & Valuation

The 2025 property tax bill for 450 Mossy Brook Dr was $8,520.

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	Fort Zumwalt R-II School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$137,251 (-)	$722,372 (-) Land $73,500 Building $648,872
2025	$8,520.00	$137,251	$722,372 Land $73,500 Building $648,872
2023		$120,724 (+1,412.83%)
2022	$544.00	$7,980	$635,388 (+1,412.83%) Land $52,500 Building $582,888
2021			$42,000 Land $42,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 450 Mossy Brook Dr in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
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 450 Mossy Brook Dr is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 65% of the US · lower than 75% of Missouri
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

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.

Cell Coverage

5G (outdoors only) and 4G LTE

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