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

St. Charles County property record for 414 Valley Spring Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,131 sqft · built 2006
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on Record
Last Sale	$316,000 (Sep 2021)
Tax Bill	$4,673 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Sep 2021 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`T052500102`

Property Details

APN / Parcel Number

Primary APN	`T052500102`
Alternative APN	`2-0119-9586-00-0045.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,131 sqft Living Area
Gross Area	4,643 sqft
1st Floor Area	2,131 sqft
Basement Area	2,092 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Ranch
Exterior Material	Brick/Stone
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	75 sqft
Patio Area	150 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T052500102
Street Address	414 VALLEY SPRING DR
City	O FALLON
State	MO
Zip	63366-3235
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WHISPERING WOODS #2 LOT 45
Legal Subdivision	WHISPERING WOODS #2
Legal Lot Number	45
Jurisdiction	ST CHARLES MO
Township / Civil Division	DARDENNE
Census Block Group	1
Census Block	1001
Census Tract	311734

Owner

Source: St. Charles County records, as of September 10, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	414 VALLEY SPRING DR, O FALLON, MO 63366-3235
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 29, 2021	Warranty Deed, Transfer · Conventional Mortgage COMMUNITY MORTGAGE LLC
Sep 29, 2021	Affidavit of Death of Joint Tenant, Transfer
Sep 13, 2021	Affidavit of Death of Joint Tenant, Transfer
Sep 13, 2021	Beneficiary Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 29, 2021 · Amount on Record
Deed Sale	Sep 29, 2021 · Amount on Record
Prior Sale	Sep 29, 2021 · Amount on Record
Deed Document Number	202181098
Prior Transfer Date	Sep 28, 2021
Prior Transfer Doc	0000081097
Record Updated	Oct 29, 2026

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Sep 29, 2021
Property Address	414 VALLEY SPRING DR, O FALLON, MO 63366-3235
Document Number	0000081098
Map Reference	MB 41 PG 92
Instrument Date	Sep 22, 2021
Instrument	2021R-081098
Transaction Type	Transfer
Record Updated	Aug 16, 2022
Title Company	CONTINENTAL TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1700 CHAUCER CT, 1700, NAPERVILLE, IL 60565-5201

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	414 VALLEY SPRING DR, O FALLON, MO 63366-3235

Mortgage

Document Number	0000081099
Date	Sep 29, 2021
Instrument	2021R-081099

Lender

Name	COMMUNITY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

September 2021: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	ST CHARLES MO
Recording Date	Sep 29, 2021
Property Address	414 VALLEY SPRING DR, O FALLON, MO 63366-3235
Document Number	0000081097
Map Reference	MB 41 PG 92
Instrument Date	Sep 22, 2021
Instrument	2021R-081097
Transaction Type	Transfer
Record Updated	Aug 16, 2022

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1700 CHAUCER CT, NAPERVILLE, IL 60565-5201
Investor	Possibly a Property Investor

September 2021: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	ST CHARLES MO
Recording Date	Sep 13, 2021
Property Address	414 VALLEY SPRING DR, O FALLON, MO 63366-3235
Document Number	0000076381
Map Reference	MB 41 PG 92
Instrument Date	Jul 21, 2021
Instrument	2021R-076381
Transaction Type	Transfer
Record Updated	Aug 16, 2022

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

September 2021: Beneficiary Deed, Transfer

Document Type	Beneficiary Deed
Jurisdiction	ST CHARLES MO
Recording Date	Sep 13, 2021
Property Address	414 VALLEY SPRING DR, O FALLON, MO 63366-3235
Document Number	0000076536
Map Reference	MB 41 PG 92
Instrument Date	Jul 21, 2021
Instrument	2021R-076536
Transaction Type	Transfer
Record Updated	Aug 16, 2022

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	414 VALLEY SPRING DR, O FALLON, MO 63366-3235

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	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
2026		$72,857 (-)	$383,456 (-) Land $80,000 Building $303,456
2025	$4,673.00 (+6.18%)	$72,857 (+9.37%)	$383,456 (+9.37%) Land $80,000 Building $303,456
2024	$4,401.00
2023		$66,613
2022			$350,593 Land $50,000 Building $300,593

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
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.

Nearby Properties on Valley Spring Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures