St. Charles County property record for 521 Sunward Dr, O Fallon, MO 63368
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 970 sqft · built 1989 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $116,300 (Jul 2007) |
| Tax Bill | $2,499 (2025) |
| Deeds & Mortgages | Jan 2024 Line of Credit Oct 2023 Sale + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | A902000085 |
| Primary APN | A902000085 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 970 sqft Living Area |
| Gross Area | 2,400 sqft |
| 1st Floor Area | 970 sqft |
| Basement Area | 936 sqft |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Architectural Style | Ranch |
| Exterior Material | Combination |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 7,405 sqft (0.17 acres) |
| Garage Type | Attached |
| Garage Area | 494 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 90 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | A902000085 |
|---|---|
| Street Address | 521 SUNWARD DR |
| City | O FALLON |
| State | MO |
| Zip | 63368-6938 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BAYFIELD #5 LOT 428 |
| Legal Subdivision | BAYFIELD #5 |
| Legal Lot Number | 428 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | WELDON SPRING |
| Census Block Group | 3 |
| Census Block | 3012 |
| Census Tract | 311732 |
521 Sunward Dr is owned by two individuals who acquired it in October 2023.
Source: St. Charles County records, as of August 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 203 HAWTHORN MEADOWS CT, O FALLON, MO 63366-4192 |
| 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.
| Date | Document |
|---|---|
| Jan 2, 2024 | Deed of Trust, Mortgage · Line of Credit FIRST STATE BANK OF ST CHARLES MO |
| Oct 10, 2023 | Deed, Transfer |
| Oct 11, 2023 | Beneficiary Deed, Transfer |
| Feb 18, 2022 | Warranty Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 19, 2007 · Amount on File |
| Deed Sale | Jul 19, 2007 · Amount on File |
| Deed Document Number | 2007591450 |
| Deed Book / Page | 4800 / 1 |
| Last Transfer Date | Oct 10, 2023 |
| Transfer Doc | 0000041675 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 521 SUNWARD DR, O FALLON, MO 63368-6938 |
| Transaction Type | Mortgage |
| Record Updated | Jan 17, 2024 |
| Name | Verified Name |
|---|---|
| Address | 203 HAWTHORN MEADOWS CT, O FALLON, MO 63366-4192 |
| Document Number | 0000000176 |
|---|---|
| Date | Jan 2, 2024 |
| Instrument | 2024R-000176 |
| Name | FIRST STATE BANK OF ST CHARLES MO |
|---|---|
| Type | Bank |
| Address | SAINT CHARLES, MO 63301 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 11 Months |
| Due | Dec 7, 2024 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Oct 10, 2023 |
| Property Address | 521 SUNWARD DR, O FALLON, MO 63368-6938 |
| Document Number | 0000041664 |
| Map Reference | MB 29 PG 57 |
| Instrument Date | Oct 10, 2023 |
| Instrument | 2023R-041664 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 203 HAWTHORN MEADOWS CT, O FALLON, MO 63366-4192 |
| Document Type | Beneficiary Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Oct 11, 2023 |
| Property Address | 521 SUNWARD DR, O FALLON, MO 63368-6938 |
| Document Number | 0000041675 |
| Map Reference | MB 29 PG 57 |
| Instrument Date | Oct 10, 2023 |
| Instrument | 2023R-041675 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Family Revocable Trust |
| Address | 203 HAWTHORN MEADOWS CT, O FALLON, MO 63366-4192 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Feb 18, 2022 |
| Property Address | 521 SUNWARD DR, O FALLON, MO 63368-6938 |
| Document Number | 0000010037 |
| Map Reference | MB 29 PG 57 |
| Instrument Date | Jan 27, 2022 |
| Instrument | 2022R-010037 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2024 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 521 SUNWARD DR, O FALLON, MO 63368-6938 |
The 2025 property tax bill for 521 Sunward Dr was $2,499.
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 | $38,659 (-) | $203,468 (-) Building $203,468 | |
| 2025 | $2,499.00 | $38,659 | $203,468 |
| 2023 | $37,617 | ||
| 2022 | $197,982 Land $50,000 Building $147,982 |
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.
FEMA maps place 521 Sunward Dr in Zone X, an area of minimal flood risk, within 500 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 500 ft |
| 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 risk around 521 Sunward 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 99.1% of the US · lower than 98.2% 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.
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 472 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 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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