1550 Misty River Dr, O Fallon, MO 63366 Property Records

St. Charles County property record for 1550 Misty River Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,696 sqft · built 2020
Lot Size	0.304 acres (13,260 sqft)
Owner	2 Trust Names on File
Last Sale	$325,037 (Nov 2020)
Deeds & Mortgages	Sep 2026 Sale Nov 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T190300229`

Property Details

APN / Parcel Number

Primary APN	`T190300229`
Alternative APN	`2-0012-C705-00-0593.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,696 sqft Living Area
Gross Area	3,392 sqft
1st Floor Area	1,696 sqft
Basement Area	1,696 sqft

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Ranch
Exterior Material	Stone/Vinyl
Lot Area	13,260 sqft (0.304 acres)
Parking Spaces	3 Parking Spaces

Location & Zoning

Account Number	T190300229
Street Address	1550 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 593
Legal Subdivision	RIVERDALE VLG C #2
Legal Lot Number	593
Jurisdiction	ST CHARLES MO
Township / Civil Division	WENTZVILLE
Census Block Group	2
Census Block	2008
Census Tract	312001

Owner

1550 Misty River Dr is owner-occupied and held in a trust since November 2020.

Source: St. Charles County records, as of October 13, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Trust Names on File
Mailing Address	1550 MISTY RIVER DR, O FALLON, MO 63366-1524
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 14, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Nov 4, 2020	Grant Deed, Subdivision Related Transfer GERSHMAN MTG
Aug 25, 2020	Grant Deed, Transfer OTHER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 4, 2020 · Amount on File
Deed Sale	Nov 4, 2020 · Amount on File
Prior Sale	Nov 4, 2020 · Amount on File
Deed Document Number	202085168
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Sep 14, 2026
Property Address	1550 MISTY RIVER DR, O FALLON, MO 63366-1524
Document Number	0000043792
Instrument Date	Sep 10, 2026
Instrument	202643792
Transaction Type	Transfer
Record Updated	Sep 25, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	1550 MISTY RIVER DR, O FALLON, MO 63366-1524

November 2020: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	ST CHARLES MO
Recording Date	Nov 4, 2020
Property Address	1550 MISTY RIVER DR, O FALLON, MO 63366-1524
Document Number	0000085168
Instrument Date	Oct 29, 2020
Instrument	85168
Transaction Type	Subdivision Related Transfer
Record Updated	Mar 4, 2021
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	Husband and Wife
Address	1550 MISTY RIVER DR ST PAUL MO 633661524, ST PAUL, MO 63366-1524

Mortgage

Document Number	85169
Date	Nov 4, 2020
Instrument	85169

Lender

Name	GERSHMAN MTG
Type	Mortgage Company
Address	CHESTERFIELD, MO 63017

Agreement

Amount	Amount on Record
Term	360 Months
Due	Nov 3, 2050

August 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ST CHARLES MO
Recording Date	Aug 25, 2020
Property Address	1550 MISTY RIVER DR, O FALLON, MO 63366-1524
Document Number	0073802283
Book / Page	007380 / 002283
Instrument Date	Aug 19, 2020
Instrument	618690
Transaction Type	Transfer
Record Updated	Oct 6, 2020
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

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	Assessed Value	Assessed Market Value
2026	$63,642	$334,959 Land $61,250 Building $273,709
2023	$67,214
2022		$353,756 Land $48,125 Building $305,631

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 1550 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 1550 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 98% of the US · lower than 96% 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 203 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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