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

St. Charles County property record for 548 Willow Valley Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,512 sqft · built 2005
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Owner Names on Record
Last Sale	$252,900 (Apr 2008)
Tax Bill	$5,631 (2025)
Deeds & Mortgages	Oct 2017 Second Mortgage Jan 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`T062500246`

Property Details

APN / Parcel Number

Primary APN	`T062500246`
Alternative APN	`2-0119-9891-00-0103.0000000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,512 sqft Living Area
1st Floor Area	1,928 sqft
Basement Area	1,584 sqft
Fireplaces	1 Fireplace
Fireplace	2 Story

Exterior

Year Built	Built 2005
Architectural Style	Other
Exterior Material	Composition/Composite
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	100 sqft
Patio Area	140 sqft

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	T062500246
Old Parcel Number	T062500246
Street Address	548 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 103
Legal Range	03E
Legal Township	47N
Legal Subdivision	WHISPERING WOODS #4
Legal Lot Number	103
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 March 16, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Owner Names on Record
Mailing Address	548 WILLOW VALLEY DR, O FALLON, MO 63366-3234
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Date	Document
Oct 10, 2017	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FIRST COMMUNITY CU
Jan 19, 2021	Deed of Trust, Mortgage ROCKWOOD BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 18, 2008 · Amount on Record
Deed Sale	Apr 18, 2008 · Amount on Record
Prior Sale	May 3, 2006
Deed Document Number	0004972422
Deed Book / Page	4972 / 422
Record Updated	Jun 8, 2026

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	548 WILLOW VALLEY DR, O FALLON, MO 63366-3234
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CLEAR TITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0068200898
Date	Oct 10, 2017
Book Page	6820/0898
Instrument	20171010000633750

Lender

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

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	119 Months
Due	Sep 15, 2027

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	548 WILLOW VALLEY DR, O FALLON, MO 63366-3234
Document Number	0000008379
Instrument Date	Jan 19, 2021
Transaction Type	Mortgage
Record Updated	Apr 5, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	548 WILLOW VALLEY DR O FALLON MO 633663234, O FALLON, MO 63366-3234

Mortgage

Document Number	0000008379
Date	Jan 28, 2021
Instrument	8379

Lender

Name	ROCKWOOD BK
Type	Bank
Address	WILDWOOD, MO 63040

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Jan 27, 2036

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of July 1, 2025

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
2025	$5,631.00	$87,924 (+9.67%)	$462,760 (+9.67%) Land $80,000 Building $382,760
2023		$80,174
2022			$421,969 Land $50,000 Building $371,969

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 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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