1547 Misty River Dr, O Fallon, MO 63366 Property Records

St. Charles County property record for 1547 Misty River Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,728 sqft · built 2020
Lot Size	0.189 acres (8,233 sqft)
Owner	2 Individual Names on File
Last Sale	$272,337 (Aug 2020)
Tax Bill	$4,012 (2025)
Deeds & Mortgages	Aug 2020 Sale & Mortgage Apr 2020 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T190300244`

Property Details

APN / Parcel Number

Primary APN	`T190300244`
Alternative APN	`2-0012-C706-00-0554.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,728 sqft Living Area
Basement Area	1,728 sqft

Exterior

Year Built	Built 2020
Exterior Material	Composition/Composite
Lot Area	8,233 sqft (0.189 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Location & Zoning

Account Number	T190300244
Street Address	1547 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 554
Legal Range	02E
Legal Township	48N
Legal Subdivision	RIVERDALE VLG C #3-A
Legal Lot Number	554
Jurisdiction	ST CHARLES MO
Township / Civil Division	WENTZVILLE
Census Block Group	2
Census Block	2008
Census Tract	312001

Owner

1547 Misty River Dr is owned and occupied by two individuals who bought it in August 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	1547 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
Aug 11, 2020	Warranty Deed, Subdivision Related Transfer · VA Mortgage GERSHMAN MTG
Apr 3, 2020	Loan Modification, Mortgage · Line of Credit COMMERCE BK
Apr 1, 2019	Loan Modification, Mortgage NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 11, 2020 · Amount on File
Deed Sale	Aug 11, 2020 · Amount on File
Deed Document Number	0073681282
Deed Book / Page	7368 / 1282
Record Updated	Jun 8, 2026

August 2020: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Aug 11, 2020
Property Address	1547 MISTY RIVER DR, O FALLON, MO 63366-1542
Document Number	0073681282
Book / Page	007368 / 001282
Instrument Date	Jul 30, 2020
Instrument	573100
Transaction Type	Subdivision Related Transfer
Record Updated	Oct 6, 2020
Title Company	ATG

Transaction

Amount	Amount 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	1547 MISTY RIVER DR ST PAUL MO 633661542, ST PAUL, MO 63366-1542

Mortgage

Document Number	73681284
Date	Aug 11, 2020
Book Page	007368/001284
Instrument	573110

Lender

Name	GERSHMAN MTG
Type	Mortgage Company
Address	CHESTERFIELD, MO 63017

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 10, 2050

April 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST CHARLES MO
Property Address	1547 MISTY RIVER DR, O FALLON, MO 63366-1542
Document Number	0072640705
Instrument Date	Apr 3, 2020
Transaction Type	Mortgage
Record Updated	Jul 7, 2020
Title Company	SECURITY TITLE INSURANCE AGENCY, SECURITY TITLE INS AGENCY

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

Mortgage

Document Number	0072640705
Date	Apr 7, 2020
Book Page	007264/000705
Instrument	212080

Lender

Name	COMMERCE BK
Type	Bank
Address	8000 FORSYTH BLVD, ST LOUIS, MO 63105-1707

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

April 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST CHARLES MO
Property Address	1547 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

The 2025 property tax bill for 1547 Misty River Dr was $4,012.

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	$4,012.00	$65,359	$343,995 Land $70,000 Building $273,995
2023		$58,966
2022			$310,345 Land $55,000 Building $255,345

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 1547 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 1547 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.

Nearby Properties on Misty River Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures