1608 Misty River Dr, O Fallon, MO 63366 Property Records

St. Charles County property record for 1608 Misty River Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,932 sqft · built 2022
Lot Size	0.33 acres (14,375 sqft)
Owner	2 Individual Names on Record
Tax Bill	$6,877 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Jun 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T220300077`

Property Details

APN / Parcel Number

Primary APN	`T220300077`
Alternative APN	`2-0012-D099-00-0374.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,932 sqft Living Area
Gross Area	4,639 sqft
Basement Area	1,707 sqft

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Architectural Style	Bi-Level
Exterior Material	Stone
Lot Area	14,375 sqft (0.33 acres)
Parking Spaces	3 Parking Spaces

Location & Zoning

Account Number	T220300077
Street Address	1608 MISTY RIVER DR
City	O FALLON
State	MO
Zip	63366-1512
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RIVERDALE VLG G #2 LOT 374
Legal Subdivision	RIVERDALE VLG G #2
Legal Lot Number	374
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 September 10, 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	1608 MISTY RIVER DR, O FALLON, MO 63366-1512
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 4, 2026	Deed of Trust, Mortgage · Conventional Mortgage BANK OF OLD MONROE
Jun 13, 2023	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage GERSHMAN INVESTMENT CORP
Feb 21, 2023	Special Warranty Deed, Transfer OLD REPUBLIC TITLE, ORT

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 13, 2023
Deed Sale	Jun 13, 2023
Prior Sale	Jun 13, 2023 · Amount on Record
Deed Document Number	202322812
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Recording Date	Aug 4, 2026
Property Address	1608 MISTY RIVER DR, O FALLON, MO 63366-1512
Document Number	0000036778
Instrument Date	Jul 6, 2026
Instrument	202636778
Transaction Type	Mortgage
Record Updated	Aug 14, 2026
Title Company	FOUNDERS TITLE COMPANY, FOUNDERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1608 MISTY RIVER DR, O FALLON, MO 63366-1512

Mortgage

Document Number	0000036778,
Date	Aug 4, 2026
Instrument	202636778

Lender

Name	BANK OF OLD MONROE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.48%
Initial Type	Fixed Rate
Max Rate	-1%

June 2023: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jun 13, 2023
Property Address	1608 MISTY RIVER DR, O FALLON, MO 63366-1512
Document Number	0000022810
Map Reference	DOC 2021R-059543
Instrument Date	Jun 9, 2023
Instrument	2023R-022810
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 29, 2023
Title Company	OLD REPUBLIC TITLE, ORT

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1608 MISTY RIVER DR, SAINT PAUL, MO 63366-1512

Mortgage

Document Number	0000022811
Date	Jun 13, 2023
Instrument	2023R-022811

Lender

Name	GERSHMAN INVESTMENT CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2053

February 2023: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Feb 21, 2023
Property Address	1608 MISTY RIVER DR, O FALLON, MO 63366-1512
Document Number	0000006235
Map Reference	DOC 2021R-059543
Instrument Date	Feb 16, 2023
Instrument	2023R-006235
Transaction Type	Transfer
Record Updated	Mar 7, 2023
Title Company	OLD REPUBLIC TITLE, ORT

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	239 FOX HILL RD, SAINT 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	Tax Bill	Assessed Value	Assessed Market Value
2026		$112,352 (-)	$591,325 (-) Land $70,000 Building $521,325
2025	$6,877.00 (+1,245.79%)	$112,352 (+975.14%)	$591,325 (+975.14%) Land $70,000 Building $521,325
2023		$10,450 (+37.5%)
2022	$511.00	$7,600	$55,000 (+37.5%) Land $55,000
2021			$40,000 Land $40,000

Assessed value is set for property tax purposes, not a market price estimate; it is 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	Not rated no burnable land within 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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