504 Willow Valley Dr, O Fallon, MO 63366 Property Records

St. Charles County property record for 504 Willow Valley Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,730 sqft · built 2014
Lot Size	0.24 acres (10,454 sqft)
Owner	2 Individual Names on Record
Last Sale	$389,025 (Jun 2026)
Tax Bill	$4,894 (2025)
Deeds & Mortgages	Feb 2022 Line of Credit May 2021 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`T062500211`

Property Details

APN / Parcel Number

Primary APN	`T062500211`
Alternative APN	`2-0119-9890-00-0092.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,730 sqft Living Area
Gross Area	4,648 sqft
1st Floor Area	1,468 sqft
Basement Area	1,288 sqft

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Architectural Style	Bi-Level
Exterior Material	Brick/Stone
Lot Area	10,454 sqft (0.24 acres)
Garage Type	Attached
Garage Area	630 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T062500211
Street Address	504 WILLOW VALLEY DR
City	O FALLON
State	MO
Zip	63366-3234
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WHISPERING WOODS #3 LOT 92
Legal Subdivision	WHISPERING WOODS #3
Legal Lot Number	92
Jurisdiction	ST CHARLES MO
Township / Civil Division	DARDENNE
Census Block Group	1
Census Block	1003
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	186 HUTCHINGS FARM DR N, O FALLON, MO 63368-6637
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Feb 1, 2022	Deed of Trust, Mortgage · Line of Credit FIRST COMMUNITY CU
May 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage US WIDE FINANCIAL LLC
Jun 16, 2026	Warranty Deed, Transfer · Conventional Mortgage FIRST FEDERAL BANK
May 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage US WIDE FINANCIAL LLC
May 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST COMMUNITY CU
Aug 1, 2019	Warranty Deed, Transfer · Conventional Mortgage US WIDE FINANCIAL LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 16, 2026 · Amount on Record
Deed Sale	Jun 16, 2026 · Amount on Record
Prior Sale	Aug 1, 2019 · Amount on Record
Deed Document Number	202628168
Prior Transfer Date	Jan 16, 2008
Prior Transfer Doc	0049130860
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	504 WILLOW VALLEY DR, O FALLON, MO 63366-3234
Transaction Type	Mortgage
Record Updated	Jul 1, 2026
Title Company	CLEAR TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	504 WILLOW VALLEY DR, O FALLON, MO 63366-3234

Mortgage

Document Number	0000006555
Date	Feb 1, 2022
Instrument	2022R-006555

Lender

Name	FIRST COMMUNITY CU
Type	Credit Union
Address	63003

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	179 Months
Due	Jan 1, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	504 WILLOW VALLEY DR, O FALLON, MO 63366-3234
Transaction Type	Mortgage
Record Updated	Jul 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	504 WILLOW VALLEY DR, O FALLON, MO 63366-3234

Mortgage

Document Number	0000045844
Date	May 27, 2021
Instrument	2021R-045844

Lender

Name	US WIDE FINANCIAL LLC
Type	Funding / Finance Company
Address	SAINT LOUIS, MO 63146

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	179 Months
Due	Apr 1, 2036

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jun 16, 2026
Property Address	504 WILLOW VALLEY DR, O FALLON, MO 63366-3234
Document Number	0000028168
Instrument Date	Jun 10, 2026
Instrument	202628168
Transaction Type	Transfer
Record Updated	Jun 25, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Estimated Sale Price
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	186 HUTCHINGS FARM DR N, O FALLON, MO 63368-6637

Mortgage

Document Number	0000028169,
Date	Jun 16, 2026
Instrument	202628169

Lender

Name	FIRST FEDERAL BANK

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	504 WILLOW VALLEY DR, O FALLON, MO 63366-3234
Transaction Type	Mortgage
Record Updated	Jun 11, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	504 WILLOW VALLEY DR, O FALLON, MO 63366-3234

Mortgage

Document Number	2021R045844
Date	May 27, 2021
Instrument	2021R-045844

Lender

Name	US WIDE FINANCIAL LLC
Type	Funding / Finance Company
Address	SAINT LOUIS, MO 63146

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	179 Months
Due	Apr 1, 2036

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	504 WILLOW VALLEY DR, O FALLON, MO 63366-3234
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0073012465
Date	May 22, 2020
Book Page	7301/2465
Instrument	20200522000336310

Lender

Name	FIRST COMMUNITY CU
Type	Credit Union
Address	CHESTERFIELD, MO 63005

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Jun 1, 2040

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Aug 1, 2019
Property Address	504 WILLOW VALLEY DR, O FALLON, MO 63366-3234
Document Number	0071152428
Book / Page	7115 / 2428
Map Reference	MB 42 PG 221
Instrument Date	Jul 31, 2019
Instrument	20190801000399290
Transaction Type	Transfer
Record Updated	Aug 9, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	504 WILLOW VALLEY DR, O FALLON, MO 63366-3234

Mortgage

Document Number	20190801000399300
Date	Aug 1, 2019
Instrument	20190801000399300

Lender

Name	US WIDE FINANCIAL LLC
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2049

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		$76,333 (-)	$401,752 (-) Land $80,000 Building $321,752
2025	$4,894.00 (+6.14%)	$76,333 (+9.33%)	$401,752 (+9.33%) Land $80,000 Building $321,752
2024	$4,611.00
2023		$69,818
2022			$367,461 Land $50,000 Building $317,461

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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