St. Charles County property record for 409 Valley Spring Dr, O Fallon, MO 63366
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,186 sqft · built 2003 |
| Lot Size | 0.21 acres (9,148 sqft) |
| Owner | Individual Name on File |
| Last Sale | $255,000 (Aug 2011) |
| Tax Bill | $5,191 (2025) |
| Deeds & Mortgages | Sep 2021 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | T052500108 |
| Primary APN | T052500108 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 3,186 sqft Living Area |
| 1st Floor Area | 1,866 sqft |
| Basement Area | 1,320 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | 2 Story |
| Year Built | Built 2003 |
|---|---|
| Architectural Style | Other |
| Exterior Material | Brick/Stone |
| Lot Area | 9,148 sqft (0.21 acres) |
| Garage Type | Attached |
| Parking Spaces | 3 Parking Spaces |
| Porch | Porch |
|---|---|
| Porch Area | 48 sqft |
| Deck Area | 213 sqft |
| Patio Area | 213 sqft |
| Sewer | Connected |
|---|
| Account Number | T052500108 |
|---|---|
| Old Parcel Number | T052500108 |
| Street Address | 409 VALLEY SPRING DR |
| City | O FALLON |
| State | MO |
| Zip | 63366-3236 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WHISPERING WOODS #2 LOT 53 |
| Legal Range | 03E |
| Legal Township | 47N |
| Legal Subdivision | WHISPERING WOODS #2 |
| Legal Lot Number | 53 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | DARDENNE |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 311734 |
Source: St. Charles County assessment roll, as of July 1, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 409 VALLEY SPRING DR, O FALLON, MO 63366-3236 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 31, 2011 · Amount on Record |
| Deed Sale | Aug 31, 2011 · Amount on Record |
| Prior Sale | May 25, 2010 |
| Deed Document Number | 0056302053 |
| Deed Book / Page | 5630 / 2053 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 409 VALLEY SPRING DR, O FALLON, MO 63366-3236 |
| Transaction Type | Mortgage |
| Record Updated | Oct 7, 2021 |
| Title Company | RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES |
| Name | Verified Name |
|---|---|
| Address | 409 VALLEY SPRING DR, O FALLON, MO 63366-3236 |
| Document Number | 2021R080617 |
|---|---|
| Date | Sep 27, 2021 |
| Instrument | 2021R-080617 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Sep 3, 2041 |
Source: St. Charles County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | O'Fallon City |
| Unified School District | Fort Zumwalt R-II School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,191.00 | $80,996 (+8.83%) | $426,295 (+8.83%) Land $80,000 Building $346,295 |
| 2023 | $74,421 | ||
| 2022 | $391,690 Land $50,000 Building $341,690 |
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.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Claims | 19 (1986–2022) |
| Most Recent Claim | Jul 2022 · Severe Storms And 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 95% of Missouri |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ST CHARLES COUNTY PWSD 2 serves 100,587 people · EPA ID MO6024530 |
|---|---|
| Water Source | Purchased surface water from ST LOUIS CITY PWS |
| Last State Inspection | Aug 2023 |
| Lead | 2 ppb (2026) 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 340 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Gateway Fiber Holdings Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: T-Mobile USA, Verizon, WH i3B Bidco LLC/WH i3B Topco, Wisper ISP.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures