1546 Misty River Dr, O Fallon, MO 63366 Property Records

St. Charles County property record for 1546 Misty River Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,600 sqft · built 2019
Lot Size	0.225 acres (9,801 sqft)
Owner	Individual Name on File
Last Sale	$304,900 (May 2020)
Tax Bill	$3,946 (2025)
Deeds & Mortgages	Oct 2021 Mortgage May 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T190300227`

Property Details

APN / Parcel Number

Primary APN	`T190300227`
Alternative APN	`2-0012-C705-00-0591.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,600 sqft Living Area
Basement Area	1,600 sqft
Finished Basement	960 sqft

Exterior

Year Built	Built 2019
Exterior Material	Stone
Lot Area	9,801 sqft (0.225 acres)
Garage Type	Attached
Parking Spaces	3 Parking Spaces

Location & Zoning

Account Number	T190300227
Street Address	1546 MISTY RIVER DR
City	O FALLON
State	MO
Zip	63366-1524
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RIVERDALE VLG C #2 LOT 591
Legal Range	02E
Legal Township	48N
Legal Subdivision	RIVERDALE VLG C #2
Legal Lot Number	591
Jurisdiction	ST CHARLES MO
Township / Civil Division	WENTZVILLE
Census Block Group	2
Census Block	2008
Census Tract	312001

Owner

1546 Misty River Dr is owned and occupied by an individual who bought it in May 2020.

Source: St. Charles County records, as of March 16, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	1546 MISTY RIVER DR, O FALLON, MO 63366-1524
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
Oct 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO
May 4, 2020	Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage GUILD MORTGAGE CO
Oct 28, 2019	Grant Deed, Transfer OTHER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 4, 2020 · Amount on File
Deed Sale	May 4, 2020 · Amount on File
Prior Sale	Oct 28, 2019
Deed Document Number	0007286129
Deed Book / Page	7286 / 129
Record Updated	Jun 8, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1546 MISTY RIVER DR, O FALLON, MO 63366-1524
Transaction Type	Mortgage
Record Updated	Oct 28, 2021
Title Company	TITLE PARTNERS AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1546 MISTY RIVER DR, O FALLON, MO 63366-1524

Mortgage

Document Number	2021R085065
Date	Oct 13, 2021
Instrument	2021R-085065

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

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

May 2020: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	May 4, 2020
Property Address	1546 MISTY RIVER DR, O FALLON, MO 63366-1524
Document Number	0072860129
Book / Page	7286 / 129
Map Reference	MB 50 PG 148&149
Instrument Date	Apr 30, 2020
Instrument	20200504000282240
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 9, 2021
Title Company	TITLE PARTNERS AGENCY LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	239 FOX HILL ROAD, 239, LAKE SAINT LOUIS, MO 63367

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1546 MISLY RIVER DRIVE, O FALLON, MO 63366-1524

Mortgage

Document Number	20200504000282250
Date	May 4, 2020
Instrument	20200504000282250

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2050

October 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ST CHARLES MO
Recording Date	Oct 28, 2019
Property Address	1546 MISTY RIVER DR, O FALLON, MO 63366-1524
Document Number	0071701039
Book / Page	007170 / 001039
Instrument Date	Oct 24, 2019
Instrument	607040
Transaction Type	Transfer
Record Updated	Nov 27, 2019
Title Company	OTHER

Transaction

Amount	Amount on Record
Tax	$0.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	239 FOX HILL RD ST CHARLES MO 633013745, ST CHARLES, MO 63301-3745
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 1546 Misty River Dr was $3,946.

Source: St. Charles County assessment roll, as of July 1, 2025

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
2025	$3,946.00	$64,276	$338,297 Land $70,000 Building $268,297
2023		$73,655
2022			$387,654 Land $55,000 Building $332,654

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 1546 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 1546 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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