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

St. Charles County property record for 528 Willow Valley Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,052 sqft · built 2005
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on File
Last Sale	$227,500 (Sep 2009)
Tax Bill	$4,736 (2024)
Deeds & Mortgages	May 2026 Line of Credit Mar 2022 Sale
Flood Zone	Zone X (minimal risk)
APN	`T062500241`

Property Details

APN / Parcel Number

Primary APN	`T062500241`
Alternative APN	`2-0119-9891-00-0098.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,052 sqft Living Area
Gross Area	5,188 sqft
1st Floor Area	1,756 sqft
Basement Area	1,716 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	180 sqft
Deck Area	Deck Area
Patio Area	180 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T062500241
Street Address	528 WILLOW VALLEY DR
City	O FALLON
State	MO
Zip	63366-3234
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WHISPERING WOODS #4 LOT 98
Legal Subdivision	WHISPERING WOODS #4
Legal Lot Number	98
Jurisdiction	ST CHARLES MO
Township / Civil Division	DARDENNE
Census Block Group	1
Census Block	1003
Census Tract	311734

Owner

528 Willow Valley Dr is owned and occupied by an individual who acquired it in March 2022.

Source: St. Charles County records, as of August 7, 2026

Owner of Record	Individual Name on File
Mailing Address	528 WILLOW VALLEY DR, O FALLON, MO 63366-3234
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 4, 2026	Deed of Trust, Mortgage · Line of Credit MIDLAND STATES BANK
Mar 29, 2022	Beneficiary Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 22, 2009 · Amount on File
Deed Sale	Sep 22, 2009 · Amount on File
Prior Sale	Apr 3, 2006 · Amount on File
Deed Document Number	2009749700
Deed Book / Page	5268 / 48
Last Transfer Date	Mar 25, 2022
Transfer Doc	0000017981
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Recording Date	May 4, 2026
Property Address	528 WILLOW VALLEY DR, O FALLON, MO 63366-3234
Document Number	0000020552
Instrument Date	Apr 28, 2026
Instrument	202620552
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	528 WILLOW VALLEY DR, O FALLON, MO 63366-3234

Mortgage

Document Number	0000020552,
Date	May 4, 2026
Instrument	202620552

Lender

Name	MIDLAND STATES BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Apr 28, 2036

Interest

Rate Type	Adjustable Rate
Rate	6.46%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

March 2022: Beneficiary Deed, Transfer

Document Type	Beneficiary Deed
Jurisdiction	ST CHARLES MO
Recording Date	Mar 29, 2022
Property Address	528 WILLOW VALLEY DR, O FALLON, MO 63366-3234
Document Number	0000017981
Map Reference	MB 42 PG 224
Instrument Date	Mar 25, 2022
Instrument	2022R-017981
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	528 WILLOW VALLEY DR, O FALLON, MO 63366-3234

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		$78,268 (-)	$411,938 (-) Land $80,000 Building $331,938
2025		$78,268	$411,938 Land $80,000 Building $331,938
2024	$4,736.00
2023		$71,728
2022			$377,518 Land $50,000 Building $327,518

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

FEMA maps place 528 Willow Valley Dr in Zone X, an area of minimal flood risk, though there have been 19 flood claims nearby since 1986.

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

Wildfire risk around 528 Willow Valley Dr is low, with a 0.01% annual chance of 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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