1551 Misty River Dr, O Fallon, MO 63366 Property Records

St. Charles County property record for 1551 Misty River Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,588 sqft · built 2018
Lot Size	0.189 acres (8,233 sqft)
Owner	2 Individual Names on Record
Last Sale	$286,606 (Jan 2019)
Tax Bill	$4,933 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Mar 2021 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`T190300242`

Property Details

APN / Parcel Number

Primary APN	`T190300242`
Alternative APN	`2-0012-C706-00-0552.0000000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,588 sqft Living Area
Basement Area	1,244 sqft

Exterior

Year Built	Built 2018
Architectural Style	Ranch
Exterior Material	Composition/Composite
Lot Area	8,233 sqft (0.189 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Location & Zoning

Account Number	T190300242
Street Address	1551 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 552
Legal Range	02E
Legal Township	48N
Legal Subdivision	RIVERDALE VLG C #3-A
Legal Lot Number	552
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 March 16, 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 Individual Names on Record
Mailing Address	1551 MISTY RIVER DR, O FALLON, MO 63366-1542
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 25, 2022	Deed of Trust, Mortgage · Conventional Mortgage STIFEL BANK & TRUST
Mar 30, 2021	Deed of Trust, Mortgage VANTAGE CU
Jul 14, 2020	Deed of Trust, Mortgage STIFEL BK&TR
Feb 6, 2020	Deed of Trust, Mortgage STIFEL BK&TR
Mar 23, 2019	Deed of Trust, Mortgage VANTAGE CU
Jan 2, 2019	Warranty Deed, Subdivision Related Transfer DAS ACQUISITION
Oct 16, 2018	Loan Modification, Mortgage OTHER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 2, 2019 · Amount on Record
Deed Sale	Jan 2, 2019 · Amount on Record
Deed Document Number	0007021316
Deed Book / Page	7021 / 316
Record Updated	Jun 8, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1551 MISTY RIVER DR, O FALLON, MO 63366-1542
Transaction Type	Mortgage
Record Updated	Apr 7, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1551 MISTY RIVER DR, SAINT PAUL, MO 63366-1542

Mortgage

Document Number	0000017519
Date	Mar 25, 2022
Instrument	2022R-017519

Lender

Name	STIFEL BANK & TRUST
Type	Bank
Address	SAINT LOUIS, MO 63141

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1551 MISTY RIVER DR, O FALLON, MO 63366-1542
Transaction Type	Mortgage
Record Updated	Oct 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021R027678
Date	Mar 30, 2021
Instrument	2021R-027678

Lender

Name	VANTAGE CU
Type	Credit Union
Address	SAINT CHARLES, MO 63304

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Mar 1, 2036

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1551 MISTY RIVER DR, O FALLON, MO 63366-1542
Document Number	0073630189
Instrument Date	Jul 14, 2020
Transaction Type	Mortgage
Record Updated	Oct 5, 2020
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC NAT'L TITLE INS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	1551 MISTY RIVER DR ST PAUL MO 633661542, ST PAUL, MO 63366-1542

Mortgage

Document Number	0073630189
Date	Aug 4, 2020
Book Page	007363/000189
Instrument	555200

Lender

Name	STIFEL BK&TR
Type	Bank
Address	SAINT LOUIS, MO 63141

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 3, 2050

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1551 MISTY RIVER DR, O FALLON, MO 63366-1542
Document Number	0072311006
Instrument Date	Feb 6, 2020
Transaction Type	Mortgage
Record Updated	Mar 10, 2020
Title Company	OLD REPUBLIC TITLE, OLD REPUBLIC NAT'L TITLE INS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	1551 MISTY RIVER DR ST PAUL MO 633661542, ST PAUL, MO 63366-1542

Mortgage

Document Number	0072311006
Date	Feb 14, 2020
Book Page	007231/001006
Instrument	92500

Lender

Name	STIFEL BK&TR
Type	Bank
Address	SAINT LOUIS, MO 63141

Agreement

Amount	Amount Recorded
Term	240 Months
Due	Feb 13, 2040

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1551 MISTY RIVER DR, O FALLON, MO 63366-1542
Document Number	0070580094
Instrument Date	Mar 23, 2019
Transaction Type	Mortgage
Record Updated	Aug 14, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	1551 MISTY RIVER DR O FALLON MO 633661542, O FALLON, MO 63366-1542

Mortgage

Document Number	0070580094
Date	Apr 11, 2019
Book Page	007058/000094
Instrument	163490

Lender

Name	VANTAGE CU
Address	BRIDGETON, MO 63044

Agreement

Amount	Amount Recorded
Term	60 Months
Due	Apr 10, 2024

January 2019: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jan 2, 2019
Property Address	1551 MISTY RIVER DR, O FALLON, MO 63366-1542
Document Number	0070210316
Book / Page	007021 / 000316
Instrument Date	Dec 31, 2018
Instrument	600
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 14, 2019
Title Company	OTHER

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	1551 MISTY RIVER DR O FALLON MO 633661542, O FALLON, MO 63366-1542

Mortgage

Document Number	70210318
Date	Jan 2, 2019
Book Page	007021/000318
Instrument	610

Lender

Name	DAS ACQUISITION
Address	ST LOUIS, MO 63141

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2049

October 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST CHARLES MO
Property Address	1551 MISTY RIVER DR, O FALLON, MO 63366-1542
Document Number	0069930450
Instrument Date	Oct 16, 2018
Transaction Type	Mortgage
Record Updated	Aug 14, 2019
Title Company	OTHER

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, 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	$4,933.00	$80,463 (+4.39%)	$423,491 (+4.39%) Land $70,000 Building $353,491
2023		$77,076
2022			$405,664 Land $55,000 Building $350,664

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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