1545 Misty River Dr, O Fallon, MO 63366 Property Records

St. Charles County property record for 1545 Misty River Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,595 sqft · built 2019
Lot Size	0.189 acres (8,250 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,767 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Dec 2023 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`T190300245`

Property Details

APN / Parcel Number

Primary APN	`T190300245`
Alternative APN	`2-0012-C706-00-0555.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,595 sqft Living Area
Gross Area	3,190 sqft
1st Floor Area	1,595 sqft
Basement Area	1,595 sqft

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	8,250 sqft (0.189 acres)
Parking Spaces	2 Parking Spaces

Location & Zoning

Account Number	T190300245
Street Address	1545 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 555
Legal Subdivision	RIVERDALE VLG C #3-A
Legal Lot Number	555
Jurisdiction	ST CHARLES MO
Township / Civil Division	WENTZVILLE
Census Block Group	2
Census Block	2008
Census Tract	312001

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	1545 MISTY RIVER DR, O FALLON, MO 63366-1542
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage ACCESS CAPITAL FUNDING LLC
Dec 21, 2023	Beneficiary Deed, Transfer
Dec 21, 2023	Beneficiary Deed, Transfer
Dec 30, 2019	Warranty Deed, Subdivision Related Transfer · FHA Mortgage DAS ACQUISITION
Apr 1, 2019	Loan Modification, Mortgage NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 6, 2020
Deed Sale	May 6, 2020
Prior Sale	Dec 30, 2019 · Amount on Record
Deed Document Number	2020288080
Deed Book / Page	7287 / 1887
Last Transfer Date	Nov 16, 2023
Transfer Doc	0000051768
Record Updated	Sep 20, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1545 MISTY RIVER DR, O FALLON, MO 63366-1542
Transaction Type	Mortgage
Record Updated	Jan 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1545 MISTY RIVER DR, O FALLON, MO 63366-1542

Mortgage

Document Number	0000016923
Date	Feb 26, 2021
Instrument	2021R-016923

Lender

Name	ACCESS CAPITAL FUNDING LLC
Type	Lending Institution
Address	CHESTERFIELD, MO 63017

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

December 2023: Beneficiary Deed, Transfer

Document Type	Beneficiary Deed
Jurisdiction	ST CHARLES MO
Recording Date	Dec 21, 2023
Property Address	1545 MISTY RIVER DR, O FALLON, MO 63366-1542
Document Number	0000051768
Map Reference	MB SO PG 150
Instrument Date	Nov 16, 2023
Instrument	2023R-051768
Transaction Type	Transfer
Record Updated	Jan 4, 2024

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	608 ZUMWALT XING, O FALLON, MO 63366-4433

December 2023: Beneficiary Deed, Transfer

Document Type	Beneficiary Deed
Jurisdiction	ST CHARLES MO
Recording Date	Dec 21, 2023
Property Address	1545 MISTY RIVER DR, O FALLON, MO 63366-1542
Document Number	0000051768
Map Reference	MB SO PG 150
Instrument Date	Nov 16, 2023
Instrument	2023R-051768
Transaction Type	Transfer
Record Updated	Jan 13, 2026

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	608 ZUMWALT XING, O FALLON, MO 63366-4433

December 2019: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Dec 30, 2019
Property Address	1545 MISTY RIVER DR, O FALLON, MO 63366-1542
Document Number	0072071037
Book / Page	007207 / 001037
Instrument Date	Dec 30, 2019
Instrument	750230
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 19, 2020
Title Company	SECURITY TITLE INSURANCE AGENCY, SECURITY TITLE INS AGENCY

Transaction

Amount	Amount Recorded
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	608 ZUMWALT XING O FALLON MO 633664433, O FALLON, MO 63366-4433

Mortgage

Document Number	72071039
Date	Dec 30, 2019
Book Page	007207/001039
Instrument	750240

Lender

Name	DAS ACQUISITION
Address	SAINT LOUIS, MO 63141

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 29, 2049

April 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST CHARLES MO
Property Address	1545 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 August 7, 2026

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	Tax Bill	Assessed Value	Assessed Market Value
2026		$61,339 (-)	$322,837 (-) Land $70,000 Building $252,837
2025	$3,767.00 (+16.66%)	$61,339 (+0.97%)	$322,837 (+0.97%) Land $70,000 Building $252,837
2023		$60,748 (+27.82%)
2022	$3,229.00	$47,525	$319,724 (+27.82%) Land $55,000 Building $264,724
2021			$250,134 Land $40,000 Building $210,134

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 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

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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