628 Sunward Dr, O Fallon, MO 63368 Property Records

St. Charles County property record for 628 Sunward Dr, O Fallon, MO 63368

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,324 sqft · built 1990
Lot Size	0.18 acres (7,841 sqft)
Owner	Owner Name on File
Last Sale	$170,000 (Jul 2007)
Tax Bill	$3,384 (2025)
Deeds & Mortgages	Jul 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`A902000960`

Property Details

APN / Parcel Number

Primary APN	`A902000960`
Alternative APN	`2-0123-6595-00-0356.0000000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,324 sqft Living Area
1st Floor Area	744 sqft
Basement Area	580 sqft
Finished Basement	551 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Architectural Style	Other
Exterior Material	Brick/Stone
Lot Area	7,841 sqft (0.18 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	80 sqft
Patio Area	176 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Sewer	Connected

Location & Zoning

Account Number	A902000960
Old Parcel Number	A902000960
Street Address	628 SUNWARD DR
City	O FALLON
State	MO
Zip	63368-6936
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BAYFIELD #7 LOT 356
Legal Range	03E
Legal Township	46N
Legal Subdivision	BAYFIELD #7
Legal Lot Number	356
Jurisdiction	ST CHARLES MO
Township / Civil Division	WELDON SPRING
Census Block Group	1
Census Block	1000
Census Tract	311732

Owner

Source: St. Charles County records · APN A902000960

Assessment roll updated July 1, 2025 · Last verified March 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Owner Name on File
Mailing Address	628 SUNWARD DR, O FALLON, MO 63368-6936
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 03, 2007 · Amount on Record
Deed Sale	Jul 03, 2007 · Amount on Record
Prior Sale	Apr 27, 2005
Deed Document Number	0047881648
Deed Book / Page	4788 / 1648
Record Updated	Jun 08, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	628 SUNWARD DR, O FALLON, MO 63368-6936
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	TITLE PARTNERS AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0073480102
Date	Jul 17, 2020
Book Page	7348/102
Instrument	20200717000502770

Lender

Name	FLAT BRANCH HOME LOANS INC
Type	Mortgage Company
Address	COLUMBIA, MO 65201

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Aug 01, 2035

Tax Assessment & Valuation

Source: St. Charles County records · Assessment roll updated July 1, 2025 · Last verified March 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

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,384.00	$52,582 (+11.09%)	$276,748 (+11.09%) Land $50,000 Building $226,748
2023		$47,331
2022			$249,111 Land $50,000 Building $199,111

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Charles County (29183C), as of August 25, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 291833117321, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

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
Nearby Flood Claims	1 (1988)
Most Recent Claim	Jul 1988 · river or lake flooding

Wildfire

Wildfire Risk	Not rated no burnable land within ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Gateway Fiber Holdings Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

Based on FCC filings for 497 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system MO6024530, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	ST CHARLES COUNTY PWSD 2 serves 100,587 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.