St. Charles County property record for 1565 Misty River Dr, O Fallon, MO 63366
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 5 ba · 2,568 sqft · built 2020 |
| Lot Size | 0.271 acres (11,805 sqft) |
| Owner | Individual Name on File |
| Last Sale | $374,877 (Dec 2020) |
| Tax Bill | $5,158 (2025) |
| Deeds & Mortgages | Oct 2023 Second Mortgage Dec 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | T210300053 |
| Primary APN | T210300053 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 2,568 sqft Living Area |
| Basement Area | 1,224 sqft |
| Finished Basement | 1,200 sqft |
| Year Built | Built 2020 |
|---|---|
| Exterior Material | Composition/Composite |
| Lot Area | 11,805 sqft (0.271 acres) |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Account Number | T210300053 |
|---|---|
| Street Address | 1565 MISTY RIVER DR |
| City | O FALLON |
| State | MO |
| Zip | 63366-1542 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | RIVERDALE VILLAGE D #1 LOT 545 |
| Legal Subdivision | RIVERDALE VILLAGE D #1 |
| Legal Lot Number | 545 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | WENTZVILLE |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 312001 |
1565 Misty River Dr is owned and occupied by an individual who bought it in December 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 | 1565 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.
| Date | Document |
|---|---|
| Oct 16, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK |
| Dec 7, 2020 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage BUSEY BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 7, 2020 · Amount on File |
| Deed Sale | Dec 7, 2020 · Amount on File |
| Deed Document Number | 0202095639 |
| Deed Book / Page | 2020 / 95639 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 1565 MISTY RIVER DR, O FALLON, MO 63366-1542 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2023 |
| Name | Verified Name |
|---|---|
| Address | 1565 MISTY RIVER DR, SAINT PAUL, MO 63366-1542 |
| Document Number | 0000042477 |
|---|---|
| Date | Oct 16, 2023 |
| Instrument | 2023R-042477 |
| Name | DISCOVER BANK |
|---|---|
| Type | Bank |
| Address | GREENWOOD, DE 19950 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 480 Months |
| Due | Oct 16, 2063 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Dec 7, 2020 |
| Property Address | 1565 MISTY RIVER DR, O FALLON, MO 63366-1542 |
| Document Number | 0000095639 |
| Map Reference | MB 51 PG 106 |
| Instrument Date | Dec 7, 2020 |
| Instrument | 2020R-095639 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Mar 7, 2023 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 10407 BAUR BLVDB, SAINT LOUIS, MO 63132 |
| Name | Verified Name |
|---|---|
| Address | 1565 MISTY RIVER DR, SAINT PAUL, MO 63366-1542 |
| Document Number | 0000095640 |
|---|---|
| Date | Dec 7, 2020 |
| Instrument | 2020R-095640 |
| Name | BUSEY BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2051 |
The 2025 property tax bill for 1565 Misty River Dr was $5,158.
Source: St. Charles County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | St. Paul City |
| Unified School District | Fort Zumwalt R-II School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,158.00 | $84,148 | $442,884 Land $70,000 Building $372,884 |
| 2023 | $77,394 | ||
| 2022 | $407,335 Land $55,000 Building $352,335 |
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.
FEMA maps place 1565 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 |
|
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 risk around 1565 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.
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 |
| 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.
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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