St. Charles County property record for 545 Willow Valley Dr, O Fallon, MO 63366
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 3,162 sqft · built 2006 |
| Lot Size | 0.19 acres (8,276 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $265,000 (Mar 2007) |
| Tax Bill | $5,110 (2025) |
| Deeds & Mortgages | Jul 2026 Mortgage May 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | T062500235 |
| Primary APN | T062500235 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 3,162 sqft Living Area |
| Gross Area | 4,930 sqft |
| 1st Floor Area | 1,794 sqft |
| Basement Area | 1,368 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| 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 | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | Deck Area |
| Patio Area | 256 sqft |
| Heating Fuel | Gas |
|---|---|
| Sewer | Connected |
| Account Number | T062500235 |
|---|---|
| Street Address | 545 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 81 |
| Legal Subdivision | WHISPERING WOODS #4 |
| Legal Lot Number | 81 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | DARDENNE |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 311734 |
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 | 545 WILLOW VALLEY DR, O FALLON, MO 63366-3233 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 24, 2026 | Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC |
| May 6, 2021 | Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 22, 2007 · Amount on Record |
| Deed Sale | Mar 22, 2007 · Amount on Record |
| Deed Document Number | 2007233810 |
| Deed Book / Page | 4712 / 2326 |
| Last Transfer Date | Mar 10, 2010 |
| Transfer Doc | 0053721157 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jul 24, 2026 |
| Property Address | 545 WILLOW VALLEY DR, O FALLON, MO 63366-3233 |
| Document Number | 0000034869 |
| Instrument Date | Jul 17, 2026 |
| Instrument | 202634869 |
| Transaction Type | Mortgage |
| Record Updated | Aug 4, 2026 |
| Title Company | SERVICELINK |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 545 WILLOW VALLEY DR, O FALLON, MO 63366-3233 |
| Document Number | 0000034869, |
|---|---|
| Date | Jul 24, 2026 |
| Instrument | 202634869 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.47% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 545 WILLOW VALLEY DR, O FALLON, MO 63366-3233 |
| Transaction Type | Mortgage |
| Record Updated | May 20, 2021 |
| Name | Verified Name |
|---|---|
| Address | 545 WILLOW VALLEY DR, O FALLON, MO 63366-3233 |
| Document Number | 2021R039800 |
|---|---|
| Date | May 6, 2021 |
| Instrument | 2021R-039800 |
| Name | AMERISAVE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | ATLANTA, GA 30305 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | May 1, 2036 |
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | O'Fallon City |
| Unified School District | Fort Zumwalt R-II School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $79,726 (-) | $419,610 (-) Land $80,000 Building $339,610 | |
| 2025 | $5,110.00 (+5.78%) | $79,726 (+8.94%) | $419,610 (+8.94%) Land $80,000 Building $339,610 |
| 2024 | $4,831.00 | ||
| 2023 | $73,181 | ||
| 2022 | $385,162 Land $50,000 Building $335,162 |
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.
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 |
|
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.
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.
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 |
| 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.
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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