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

St. Charles County property record for 418 Valley Spring Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,536 sqft · built 2015
Lot Size	0.18 acres (7,841 sqft)
Owner	2 Individual Names on Record
Last Sale	$280,716 (Jun 2015)
Tax Bill	$4,969 (2025)
Deeds & Mortgages	Nov 2017 Mortgage May 2019 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`T052500100`

Property Details

APN / Parcel Number

Primary APN	`T052500100`
Alternative APN	`2-0119-9586-00-0043.0000000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,740 sqft Living Area
Gross Area	4,514 sqft
1st Floor Area	1,558 sqft
Basement Area	1,338 sqft
Finished Basement	1,204 sqft
Unfinished Basement	134 sqft

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Architectural Style	Bi-Level
Exterior Material	Brick/Stone
Lot Area	7,841 sqft (0.18 acres)
Garage Type	Attached
Garage Area	640 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T052500100
Street Address	418 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 43
Legal Subdivision	WHISPERING WOODS #2
Legal Lot Number	43
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 August 7, 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	418 VALLEY SPRING DR, O FALLON, MO 63366-3235
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 17, 2017	Deed of Trust, Mortgage · FHA Mortgage CORNERSTONE MORTGAGE INC
May 3, 2019	Deed of Trust, Mortgage FIRST FINANCIAL FCU
Jun 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO
Jul 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
May 5, 2022	Deed of Trust, Mortgage · Conventional Mortgage TOGETHER CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 26, 2015 · Amount on Record
Deed Sale	Jun 26, 2015 · Amount on Record
Prior Sale	Dec 18, 2014 · Amount on Record
Deed Document Number	2015411470
Deed Book / Page	6378 / 1497
Record Updated	Oct 29, 2026

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	418 VALLEY SPRING DR, O FALLON, MO 63366-3235
Transaction Type	Mortgage
Record Updated	Aug 16, 2022
Title Company	TITLE PARTNERS AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000717980
Date	Nov 17, 2017
Book Page	6840/0874
Instrument	20171117000717980

Lender

Name	CORNERSTONE MORTGAGE INC
Type	Mortgage Company
Address	CHESTERFIELD, MO 63005

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2047

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	418 VALLEY SPRING DR, O FALLON, MO 63366-3235
Transaction Type	Mortgage
Record Updated	Aug 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000209680
Date	May 3, 2019
Book Page	7069/0696
Instrument	20190503000209680

Lender

Name	FIRST FINANCIAL FCU
Type	Credit Union
Address	WENTZVILLE, MO 63385

Agreement

Amount	Amount Recorded
Term	180 Months
Due	May 13, 2034

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	418 VALLEY SPRING DR, O FALLON, MO 63366-3235
Transaction Type	Mortgage
Record Updated	Aug 16, 2022
Title Company	TITLE PARTNERS AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000448630
Date	Jun 30, 2020
Book Page	7332/1959
Instrument	20200630000448630

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	418 VALLEY SPRING DR, O FALLON, MO 63366-3235
Transaction Type	Mortgage
Record Updated	Aug 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	418 VALLEY SPRING DR, O FALLON, MO 63366-3235

Mortgage

Document Number	0000062833
Date	Jul 27, 2021
Instrument	2021R-062833

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Aug 1, 2046

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	418 VALLEY SPRING DR, O FALLON, MO 63366-3235
Transaction Type	Mortgage
Record Updated	Aug 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	418 VALLEY SPRING DR, O FALLON, MO 63366-3235

Mortgage

Document Number	0000025886
Date	May 5, 2022
Instrument	2022R-025886

Lender

Name	TOGETHER CU
Type	Credit Union
Address	SAINT LOUIS, MO 63118

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	302 Months
Due	Jun 30, 2047

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		$77,507 (-)	$407,934 (-) Land $80,000 Building $327,934
2025	$4,969.00	$77,507 (+5.86%)	$407,934 (+5.86%) Land $80,000 Building $327,934
2023		$73,216
2022			$385,348 Land $50,000 Building $335,348

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 96% of the US · lower than 94% 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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