1531 Misty River Dr, O Fallon, MO 63366 Property Records

St. Charles County property record for 1531 Misty River Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,748 sqft · built 2019
Lot Size	0.226 acres (9,884 sqft)
Owner	2 Individual Names on File
Last Sale	$273,678 (Dec 2019)
Deeds & Mortgages	Mar 2021 Mortgage Dec 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T190300252`

Property Details

APN / Parcel Number

Primary APN	`T190300252`
Alternative APN	`2-0012-C706-00-0562.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,748 sqft Living Area
Basement Area	1,748 sqft

Exterior

Year Built	Built 2019
Exterior Material	Vinyl
Lot Area	9,884 sqft (0.226 acres)

Location & Zoning

Account Number	T190300252
Street Address	1531 MISTY RIVER DR
City	O FALLON
State	MO
Zip	63366-1542
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RIVERDALE VLG C #3-A LOT 562
Legal Range	02E
Legal Township	48N
Legal Subdivision	RIVERDALE VLG C #3-A
Legal Lot Number	562
Jurisdiction	ST CHARLES MO
Township / Civil Division	WENTZVILLE
Census Block Group	2
Census Block	2008
Census Tract	312001

Owner

1531 Misty River Dr is owned and occupied by two individuals who bought it in December 2019.

Source: St. Charles County records, as of October 19, 2023

Owner of Record	2 Individual Names on File
Mailing Address	1531 MISTY RIVER DR, O FALLON, MO 63366-1542
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 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage JLB CORP
Dec 26, 2019	Warranty Deed, Subdivision Related Transfer BUSEY BK
Apr 1, 2019	Loan Modification, Mortgage NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 26, 2019 · Amount on File
Deed Sale	Dec 26, 2019 · Amount on File
Deed Document Number	0007205811
Deed Book / Page	7205 / 811
Record Updated	Jun 7, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1531 MISTY RIVER DR, O FALLON, MO 63366-1542
Transaction Type	Mortgage
Record Updated	Oct 28, 2021
Title Company	COPPER TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1531 MISTY RIVER DR, O FALLON, MO 63366-1542

Mortgage

Document Number	2021R023523
Date	Mar 17, 2021
Instrument	2021R-023523

Lender

Name	JLB CORP
Type	Mortgage Company
Address	SAINT LOUIS, MO 63146

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

December 2019: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Dec 26, 2019
Property Address	1531 MISTY RIVER DR, O FALLON, MO 63366-1542
Document Number	0072050811
Book / Page	007205 / 000811
Instrument Date	Dec 26, 2019
Instrument	742900
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 13, 2020
Title Company	OTHER

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
Relationship	Married Couple
Address	1531 MISTY RIVER DR ST PAUL MO 633661542, ST PAUL, MO 63366-1542

Mortgage

Document Number	72050813
Date	Dec 26, 2019
Book Page	007205/000813
Instrument	742910

Lender

Name	BUSEY BK
Type	Bank
Address	CHAMPAIGN, IL 61820

Agreement

Amount	Amount on Record
Term	360 Months
Due	Dec 25, 2049

April 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST CHARLES MO
Property Address	1531 MISTY RIVER DR, O FALLON, MO 63366-1542
Document Number	0070541156
Instrument Date	Apr 1, 2019
Transaction Type	Mortgage
Record Updated	Aug 14, 2019
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	10407 BAUR BLVD #B ST LOUIS MO 631321904, B, ST LOUIS, MO 63132-1904
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of July 1, 2023

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Municipality	St. Paul City
Unified School District	Fort Zumwalt R-II School District (PK - 12)

Tax Bill & Assessment History

Year	Assessed Value	Assessed Market Value
2023	$67,664
2022		$356,128 Land $55,000 Building $301,128

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 1531 Misty River Dr in Zone X, an area of minimal flood risk, though there have been 25 flood claims nearby since 1982.

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	25 (1982–2015)
Claims Outside the SFHA	1 of 25
Most Recent Claim	Jun 2015 · river or lake flooding
Claims by Event	Severe Storms, Tornadoes, Flooding, Apr 1994 · 3 claims Severe Storms & Flooding, Sep 1993 · 8 claims

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 1531 Misty River 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 99.8% of the US · lower than 99.6% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ST PAUL PWS serves 1,700 people · EPA ID MO6011535
Water Source	Groundwater
Last State Inspection	Aug 2024
Lead	Under 1 ppb (2022–2024) 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 175 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Brightspeed, Verizon.

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