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

St. Charles County property record for 537 Willow Valley Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,142 sqft · built 2006
Lot Size	0.19 acres (8,276 sqft)
Owner	2 Individual Names on File
Last Sale	$245,000 (Jul 2017)
Tax Bill	$5,081 (2025)
Deeds & Mortgages	Mar 2020 Mortgage Jul 2017 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T062500237`

Property Details

APN / Parcel Number

Primary APN	`T062500237`
Alternative APN	`2-0119-9891-00-0083.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,142 sqft Living Area
Gross Area	4,910 sqft
1st Floor Area	1,794 sqft
Basement Area	1,348 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Bi-Level
Exterior Material	Brick/Stone
Lot Area	8,276 sqft (0.19 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	40 sqft
Deck Area	Deck Area
Patio Area	302 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T062500237
Street Address	537 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 83
Legal Subdivision	WHISPERING WOODS #4
Legal Lot Number	83
Jurisdiction	ST CHARLES MO
Township / Civil Division	DARDENNE
Census Block Group	1
Census Block	1002
Census Tract	311734

Owner

537 Willow Valley Dr is owned and occupied by two individuals who bought it in July 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	537 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
Mar 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage PANORAMA MORTGAGE GROUP LLC
Jul 19, 2017	Grant Deed, Transfer GUARANTEED RATE
Feb 14, 2017	Deed in Lieu of Foreclosure, Foreclosure LINEAR TITLE AND CLOSING, LINEAR TITLE & CLOSING

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 19, 2017 · Amount on File
Deed Sale	Jul 19, 2017 · Amount on File
Prior Sale	Feb 14, 2017
Deed Document Number	2017442750
Deed Book / Page	6776 / 2047
Record Updated	Oct 29, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	537 WILLOW VALLEY DR, O FALLON, MO 63366-3233
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0072480254
Date	Mar 13, 2020
Book Page	7248/254
Instrument	20200313000155690

Lender

Name	PANORAMA MORTGAGE GROUP LLC
Type	Non-Lending Institution
Address	LAS VEGAS, NV 89145

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2050

July 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jul 19, 2017
Property Address	537 WILLOW VALLEY DR, O FALLON, MO 63366-3233
Document Number	0067762047
Book / Page	006776 / 002047
Instrument Date	Jul 13, 2017
Instrument	442750
Transaction Type	Transfer
Record Updated	Aug 30, 2017
Title Company	CONTINENTAL, CONTINENTAL TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	537 WILLOW VALLEY DR O FALLON MO 633663233, O FALLON, MO 63366-3233

Mortgage

Document Number	67762049
Date	Jul 19, 2017
Book Page	006776/002049
Instrument	442760

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jul 18, 2047

February 2017: Deed in Lieu of Foreclosure, Foreclosure

Document Type	Deed in Lieu of Foreclosure
Jurisdiction	ST CHARLES MO
Recording Date	Feb 14, 2017
Property Address	537 WILLOW VALLEY DR, O FALLON, MO 63366-3233
Document Number	0066990869
Book / Page	006699 / 000869
Instrument Date	Dec 12, 2016
Instrument	96280
Transaction Type	Foreclosure
Record Updated	Feb 22, 2017
Title Company	LINEAR TITLE AND CLOSING, LINEAR TITLE & CLOSING

Transaction

Tax	$0.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Corporate Trust
Address	7500 OLD GEORGETOWN RD #1300 BETHESDA MD 208146198, 1300, BETHESDA, MD 20814-6198
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 537 Willow Valley Dr was $5,081.

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		$79,273 (-)	$417,225 (-) Land $80,000 Building $337,225
2025	$5,081.00	$79,273	$417,225 Land $80,000 Building $337,225
2023		$72,735
2022			$382,813 Land $50,000 Building $332,813

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 537 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 537 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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