411 Valley Spring Dr, O Fallon, MO 63366 Property Records

St. Charles County property record for 411 Valley Spring Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,768 sqft · built 2004
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on Record
Tax Bill	$4,920 (2025)
Deeds & Mortgages	May 2023 Mortgage Jun 2023 Sale
Flood Zone	Zone X (minimal risk)
APN	`T052500109`

Property Details

APN / Parcel Number

Primary APN	`T052500109`
Alternative APN	`2-0119-9586-00-0054.0000000`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,768 sqft Living Area
1st Floor Area	1,840 sqft
Basement Area	1,114 sqft
Finished Basement	800 sqft
Fireplaces	1 Fireplace
Fireplace	2 Story

Exterior

Year Built	Built 2004
Architectural Style	Other
Exterior Material	Brick/Stone
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Attached
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	56 sqft
Deck Area	100 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	T052500109
Old Parcel Number	T052500109
Street Address	411 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 54
Legal Range	03E
Legal Township	47N
Legal Subdivision	WHISPERING WOODS #2
Legal Lot Number	54
Jurisdiction	ST CHARLES MO
Township / Civil Division	DARDENNE
Census Block Group	1
Census Block	1005
Census Tract	311734

Owner

Source: St. Charles County records, as of March 16, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	411 VALLEY SPRING DR, O FALLON, MO 63366-3236
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 18, 2023	Deed of Trust, Mortgage · Conventional Mortgage DELMAR FINANCIAL CO
Jun 12, 2023	Warranty Deed, Transfer NOT AVAILABLE, UST

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 31, 2012
Deed Sale	Dec 31, 2012
Prior Sale	Apr 4, 2005
Deed Document Number	0059272091
Deed Book / Page	4141 / 1063
Record Updated	Jun 8, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	411 VALLEY SPRING DR, O FALLON, MO 63366-3236
Transaction Type	Mortgage
Record Updated	Jan 17, 2024
Title Company	TITLE PARTNERS AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	411 VALLEY SPRING DR, O FALLON, MO 63366-3236

Mortgage

Document Number	0000018923
Date	May 18, 2023
Instrument	2023R-018923

Lender

Name	DELMAR FINANCIAL CO
Type	Funding / Finance Company
Address	SAINT LOUIS, MO 63141

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2038

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jun 12, 2023
Property Address	411 VALLEY SPRING DR, O FALLON, MO 63366-3236
Document Number	0000022439
Instrument Date	Jun 5, 2023
Instrument	2023R-022439
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	NOT AVAILABLE, UST

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3001 MATTESON BLVD, O FALLON, MO 63366-1183

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	411 VALLEY SPRING DR, O FALLON, MO 63366-3236

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	O'Fallon 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	$4,920.00 (+15.36%)	$76,733 (+8.3%)	$403,860 (+8.3%) Land $80,000 Building $323,860
2023		$70,851 (+17.97%)
2022	$4,265.00	$60,058	$372,902 (+17.97%) Land $50,000 Building $322,902
2021			$316,095 Land $40,000 Building $276,095

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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
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	Severe Storms And Flooding, Jul 2022 · 6 claims Severe Storms, Flooding, And A Tornado, Sep 2008 · 5 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 97% of the US · lower than 95% of Missouri
Wildfire Likelihood	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 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

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 340 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
AT&T Fixed Wireless	100 / 20

May also be available: i3 Broadband, T-Mobile, Verizon, Wisper ISP.

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