490 Winter Park Dr, O Fallon, MO 63366 Property Records

St. Charles County property record for 490 Winter Park Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,567 sqft · built 1996
Lot Size	0.24 acres (10,454 sqft)
Owner	2 Individual Names on Record
Last Sale	$246,496 (Apr 2006)
Tax Bill	$4,762 (2025)
Deeds & Mortgages	Feb 2023 Mortgage Oct 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`A962000601`

Property Details

APN / Parcel Number

Primary APN	`A962000601`
Alternative APN	`2-0060-7338-00-0059.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,567 sqft Living Area
Gross Area	4,245 sqft
1st Floor Area	1,349 sqft
Basement Area	1,218 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

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	10,454 sqft (0.24 acres)
Garage Type	Attached
Garage Area	460 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	210 sqft
Patio Area	240 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	A962000601
Street Address	490 WINTER PARK DR
City	O FALLON
State	MO
Zip	63366-5531
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WINTERHAVEN LOT 59
Legal Subdivision	WINTERHAVEN
Legal Lot Number	59
Jurisdiction	ST CHARLES MO
Township / Civil Division	LAKE ST. LOUIS
Census Block Group	1
Census Block	1000
Census Tract	311712

Owner

Source: St. Charles County records, as of August 7, 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	490 WINTER PARK DR, O FALLON, MO 63366-5531
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 1, 2023	Deed of Trust, Mortgage · FHA Mortgage BROKER SOLUTIONS INC
Oct 18, 2018	Deed of Trust, Mortgage · FHA Mortgage SECRETARY/HSNG & URBAN DEV

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 7, 2006 · Amount on Record
Deed Sale	Apr 7, 2006 · Amount on Record
Deed Document Number	2006290480
Deed Book / Page	4455 / 1074
Record Updated	Oct 29, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	490 WINTER PARK DR, O FALLON, MO 63366-5531
Transaction Type	Mortgage
Record Updated	Feb 14, 2023
Title Company	FREEDOM TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	490 WINTER PARK DR, O FALLON, MO 63366-5531

Mortgage

Document Number	0000003756
Date	Feb 1, 2023
Instrument	2023R-003756

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company
Address	TUSTIN, CA 92780

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2053

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	490 WINTER PARK DR, O FALLON, MO 63366-5531
Document Number	0070041897
Instrument Date	Oct 18, 2018
Transaction Type	Mortgage
Record Updated	Dec 6, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	90 WINTER PARK CT O FALLON MO 63366, O FALLON, MO 63366

Mortgage

Document Number	0070041897
Date	Nov 19, 2018
Book Page	007004/001897
Instrument	653210

Lender

Name	SECRETARY/HSNG & URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Nov 18, 2043

Tax Assessment & Valuation

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		$74,247 (-)	$390,775 (-) Land $70,000 Building $320,775
2025	$4,762.00	$74,247 (+11.88%)	$390,775 (+11.88%) Land $70,000 Building $320,775
2023		$66,363
2022			$349,278 Land $50,000 Building $299,278

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

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.

Wildfire

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

Wildfire Risk	Low lower than 98% of the US · lower than 96% of Missouri
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Gateway Fiber Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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