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

St. Charles County property record for 552 Willow Valley Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,128 sqft · built 2006
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on Record
Last Sale	$267,372 (Jan 2007)
Tax Bill	$4,669 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit Feb 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`T062500247`

Property Details

APN / Parcel Number

Primary APN	`T062500247`
Alternative APN	`2-0119-9891-00-0104.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,128 sqft Living Area
Gross Area	4,656 sqft
1st Floor Area	2,128 sqft
Basement Area	2,128 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Ranch
Exterior Material	Brick/Stone
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	105 sqft
Deck Area	Deck Area
Patio Area	196 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T062500247
Street Address	552 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 104
Legal Subdivision	WHISPERING WOODS #4
Legal Lot Number	104
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 September 11, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	552 WILLOW VALLEY DR, O FALLON, MO 63366-3234
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 1, 2026	Deed of Trust, Mortgage · Line of Credit UNION CREDIT UNION
Feb 11, 2020	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Oct 8, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MTG
Aug 1, 2020	Deed of Trust, Mortgage VANTAGE CU
Apr 1, 2019	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 2, 2007 · Amount on Record
Deed Sale	Jan 2, 2007 · Amount on Record
Deed Document Number	2007200
Deed Book / Page	4657 / 90
Last Transfer Date	Jul 10, 2015
Transfer Doc	0070531432
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Recording Date	Sep 1, 2026
Property Address	552 WILLOW VALLEY DR, O FALLON, MO 63366-3234
Document Number	0000041846
Instrument Date	Jun 4, 2026
Instrument	202641846
Transaction Type	Mortgage
Record Updated	Sep 11, 2026
Title Company	SECURITY TITLE INSURANCE AGENCY, SEC TITLE INS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	552 WILLOW VALLEY DR, O FALLON, MO 63366-3234

Mortgage

Document Number	0000041846,
Date	Sep 1, 2026
Instrument	202641846

Lender

Name	UNION CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	297 Months
Due	Jun 4, 2051

Interest

Max Rate	-1%

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	552 WILLOW VALLEY DR, O FALLON, MO 63366-3234
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0072290670
Date	Feb 11, 2020
Book Page	7229/0670
Instrument	20200211000083630

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	CHESTERFIELD, MO 63005

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	297 Months
Due	Nov 1, 2044

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	552 WILLOW VALLEY DR, O FALLON, MO 63366-3234
Document Number	0000078613
Instrument Date	Oct 8, 2020
Transaction Type	Mortgage
Record Updated	Jan 26, 2021
Title Company	INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	552 WILLOW VALLEY DR O FALLON MO 633663234, O FALLON, MO 63366-3234

Mortgage

Document Number	0000078613
Date	Oct 19, 2020
Instrument	78613

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	ST LOUIS, MO 63005

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Oct 18, 2045

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	552 WILLOW VALLEY DR, O FALLON, MO 63366-3234
Document Number	0000064391
Instrument Date	Aug 1, 2020
Transaction Type	Mortgage
Record Updated	Oct 14, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	552 WILLOW VALLEY DR O FALLON MO 633663234, O FALLON, MO 63366-3234

Mortgage

Document Number	0000064391
Date	Sep 3, 2020
Instrument	64391

Lender

Name	VANTAGE CU
Address	BRIDGETON, MO 63044

Agreement

Amount	Amount Recorded
Term	60 Months
Due	Sep 2, 2025

April 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CHARLES MO
Recording Date	Apr 1, 2019
Property Address	552 WILLOW VALLEY DR, O FALLON, MO 63366-3234
Document Number	0070531432
Book / Page	007053 / 001432
Instrument Date	Jul 10, 2015
Instrument	143970
Transaction Type	Transfer
Record Updated	Apr 15, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	552 WILLOW VALLEY DR O FALLON MO 633663234, O FALLON, MO 63366-3234

Tax Assessment & Valuation

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		$72,796 (-)	$383,136 (-) Land $80,000 Building $303,136
2025	$4,669.00 (+6.19%)	$72,796 (+9.38%)	$383,136 (+9.38%) Land $80,000 Building $303,136
2024	$4,397.00
2023		$66,551
2022			$350,270 Land $50,000 Building $300,270

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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