570 Misty Mountain Dr, O Fallon, MO 63368 Property Records

St. Charles County property record for 570 Misty Mountain Dr, O Fallon, MO 63368

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,829 sqft · built 2003
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on Record
Last Sale	$230,000 (Sep 2010)
Tax Bill	$5,442 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Aug 2017 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T021700251`

Property Details

APN / Parcel Number

Primary APN	`T021700251`
Alternative APN	`2-0130-8876-00-0408.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,829 sqft Living Area
Gross Area	4,460 sqft
1st Floor Area	1,643 sqft
Basement Area	1,186 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Lot Area	10,019 sqft (0.23 acres)
Garage Type	Attached
Garage Area	445 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	214 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T021700251
Street Address	570 MISTY MOUNTAIN DR
City	O FALLON
State	MO
Zip	63368-3997
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	STONEY MOUNTAIN VLG LOT 408
Legal Subdivision	STONEY MOUNTAIN VLG
Legal Lot Number	408
Jurisdiction	ST CHARLES MO
Township / Civil Division	BOONE
Census Block Group	2
Census Block	2001
Census Tract	311153

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	570 MISTY MOUNTAIN DR, O FALLON, MO 63368-3997
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage COMMERCE BANK
Aug 4, 2017	Deed of Trust, Mortgage · Line of Credit COMMERCE BANK
Nov 14, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 8, 2010 · Amount on Record
Deed Sale	Sep 8, 2010 · Amount on Record
Prior Sale	Mar 30, 2010 · Amount on Record
Deed Document Number	2010568290
Deed Book / Page	5445 / 1824
Transfer Doc	0068380724
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	570 MISTY MOUNTAIN DR, O FALLON, MO 63368-3997
Transaction Type	Mortgage
Record Updated	Jul 30, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	570 MISTY MOUNTAIN DR, O FALLON, MO 63368-3997

Mortgage

Document Number	2021R059798
Date	Jul 16, 2021
Instrument	2021R-059798

Lender

Name	COMMERCE BANK
Type	Bank
Address	KANSAS CITY, MO 64106

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Aug 1, 2036

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	570 MISTY MOUNTAIN DR, O FALLON, MO 63368-3997
Transaction Type	Mortgage
Record Updated	Jun 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0067861654
Date	Aug 4, 2017
Book Page	6786/1654
Instrument	20170804000488180

Lender

Name	COMMERCE BANK
Type	Bank
Address	SAINT CHARLES, MO 63301

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CHARLES MO
Recording Date	Nov 14, 2017
Property Address	570 MISTY MOUNTAIN DR, O FALLON, MO 63368-3997
Document Number	0068380724
Book / Page	006838 / 000724
Instrument Date	Jan 24, 2017
Instrument	709510
Transaction Type	Transfer
Record Updated	Nov 20, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	570 MISTY MOUNTAIN DR O FALLON MO 633683997, O FALLON, MO 63368-3997

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		$87,422 (-)	$460,116 (-) Land $60,000 Building $400,116
2025	$5,442.00 (+0.5%)	$87,422 (+3.49%)	$460,116 (+3.49%) Land $60,000 Building $400,116
2024	$5,415.00
2023		$84,474
2022			$444,600 Land $55,000 Building $389,600

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	1 in force

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 80% of the US · lower than 84% of Missouri
Wildfire Likelihood	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 394 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
i3 Broadband Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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