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

St. Charles County property record for 533 Willow Valley Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,160 sqft · built 2006
Lot Size	0.19 acres (8,276 sqft)
Owner	2 Individual Names on File
Last Sale	$240,000 (Dec 2022)
Tax Bill	$5,103 (2025)
Deeds & Mortgages	Nov 2025 Mortgage Jun 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T062500238`

Property Details

APN / Parcel Number

Primary APN	`T062500238`
Alternative APN	`2-0119-9891-00-0084.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,160 sqft Living Area
Gross Area	4,928 sqft
1st Floor Area	1,792 sqft
Basement Area	1,368 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Lot Area	8,276 sqft (0.19 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	105 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T062500238
Street Address	533 WILLOW VALLEY DR
City	O FALLON
State	MO
Zip	63366-3233
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WHISPERING WOODS #4 LOT 84
Legal Subdivision	WHISPERING WOODS #4
Legal Lot Number	84
Jurisdiction	ST CHARLES MO
Township / Civil Division	DARDENNE
Census Block Group	1
Census Block	1002
Census Tract	311734

Owner

533 Willow Valley Dr is owned and occupied by two individuals who bought it in December 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	533 WILLOW VALLEY DR, O FALLON, MO 63366-3233
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
Nov 12, 2025	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORP
Jun 29, 2023	Deed of Trust, Mortgage · Conventional Mortgage ENDEAVOR CAPITAL LLC
Dec 1, 2022	Warranty Deed, Transfer · FHA Mortgage ENDEAVOR CAPITAL LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 1, 2022 · Amount on File
Deed Sale	Dec 1, 2022 · Amount on File
Prior Sale	Dec 16, 2015 · Amount on File
Deed Document Number	202263790
Prior Transfer Date	Sep 1, 2015
Prior Transfer Doc	0000736240
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	533 WILLOW VALLEY DR, O FALLON, MO 63366-3233
Transaction Type	Mortgage
Record Updated	Nov 26, 2025
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	533 WILLOW VALLEY DR, O FALLON, MO 63366-3233

Mortgage

Document Number	0000050933
Date	Nov 12, 2025
Instrument	2025R-050933

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company
Address	ROSEVILLE, CA 95661

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Dec 1, 2040

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	533 WILLOW VALLEY DR, O FALLON, MO 63366-3233
Transaction Type	Mortgage
Record Updated	Jan 17, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	533 WILLOW VALLEY DR, O FALLON, MO 63366-3233

Mortgage

Document Number	0000025439
Date	Jun 29, 2023
Instrument	2023R-025439

Lender

Name	ENDEAVOR CAPITAL LLC
Type	Mortgage Company
Address	COLGATE, WI 53017

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jul 1, 2038

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Dec 1, 2022
Property Address	533 WILLOW VALLEY DR, O FALLON, MO 63366-3233
Document Number	0000063790
Map Reference	MB 42 PG 224
Instrument Date	Nov 30, 2022
Instrument	2022R-063790
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	CHESTERFIELD TITLE AGENCY LLC, CHESTERFIELD TITLE AGCY LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	260 LE BEAU LN, SAINT CHARLES, MO 63303-4210

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	533 WILLOW VALLEY DR, O FALLON, MO 63366-3233

Mortgage

Document Number	0000063791
Date	Dec 1, 2022
Instrument	2022R-063791

Lender

Name	ENDEAVOR CAPITAL LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 533 Willow Valley Dr was $5,103.

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		$79,619 (-)	$419,048 (-) Land $80,000 Building $339,048
2025	$5,103.00	$79,619	$419,048 Land $80,000 Building $339,048
2023		$73,077
2022			$384,614 Land $50,000 Building $334,614

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 533 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 533 Willow Valley Dr is low, with less than 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 99.1% of the US · lower than 98.2% of Missouri
Wildfire Likelihood	Under 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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