St. Charles County property record for 549 Willow Valley Dr, O Fallon, MO 63366
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,546 sqft · built 2006 |
| Lot Size | 0.19 acres (8,276 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $248,682 (Nov 2006) |
| Tax Bill | $4,419 (2025) |
| Deeds & Mortgages | Mar 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | T062500234 |
| Primary APN | T062500234 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,546 sqft Living Area |
| Gross Area | 3,986 sqft |
| 1st Floor Area | 1,486 sqft |
| Basement Area | 1,060 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| 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 | 380 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 35 sqft |
| Deck Area | Deck Area |
| Patio Area | 304 sqft |
| Heating Fuel | Gas |
|---|---|
| Sewer | Connected |
| Account Number | T062500234 |
|---|---|
| Street Address | 549 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 80 |
| Legal Subdivision | WHISPERING WOODS #4 |
| Legal Lot Number | 80 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | DARDENNE |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 311734 |
549 Willow Valley Dr is owned and occupied by two individuals who bought it in November 2006.
Source: St. Charles County records, as of August 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 549 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 28, 2006 · Amount on File |
| Deed Sale | Nov 28, 2006 · Amount on File |
| Deed Document Number | 20061008170 |
| Deed Book / Page | 4631 / 1317 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 549 WILLOW VALLEY DR, O FALLON, MO 63366-3233 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0072561082 |
|---|---|
| Date | Mar 26, 2020 |
| Book Page | 7256/1082 |
| Instrument | 20200326000186930 |
| Name | US WIDE FINANCIAL LLC |
|---|---|
| Type | Lending Institution |
| Address | SAINT LOUIS, MO 63146 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Apr 1, 2040 |
The 2025 property tax bill for 549 Willow Valley Dr was $4,419.
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 | $68,861 (-) | $362,427 (-) Land $80,000 Building $282,427 | |
| 2025 | $4,419.00 | $68,861 | $362,427 Land $80,000 Building $282,427 |
| 2023 | $63,055 | ||
| 2022 | $331,870 Land $50,000 Building $281,870 |
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.
FEMA maps place 549 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 |
|
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 risk around 549 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.
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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