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

St. Charles County property record for 575 Misty Mountain Dr, O Fallon, MO 63368

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 3,142 sqft · built 2003
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on Record
Last Sale	$319,500 (May 2020)
Tax Bill	$4,867 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Mar 2019 Second Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T021700247`

Property Details

APN / Parcel Number

Primary APN	`T021700247`
Alternative APN	`2-0130-8876-00-0404.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	3,142 sqft Living Area
Gross Area	3,791 sqft
1st Floor Area	1,122 sqft
Basement Area	1,122 sqft
Finished Basement	898 sqft
Unfinished Basement	224 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	425 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	214 sqft
Patio Area	230 sqft

Utilities, Heating & Cooling

Heating Fuel	Solar
Sewer	Connected

Location & Zoning

Account Number	T021700247
Street Address	575 MISTY MOUNTAIN DR
City	O FALLON
State	MO
Zip	63368-3998
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	STONEY MOUNTAIN VLG LOT 404
Legal Subdivision	STONEY MOUNTAIN VLG
Legal Lot Number	404
Jurisdiction	ST CHARLES MO
Township / Civil Division	BOONE
Census Block Group	2
Census Block	2027
Census Tract	311153

Owner

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	575 MISTY MOUNTAIN DR, O FALLON, MO 63368-3998
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage ACCESS CAPITAL FUNDING LLC
Mar 18, 2019	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FIRST COMMUNITY CU
May 18, 2020	Warranty Deed, Transfer · VA Mortgage ACCESS CAPITAL FUNDING LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 18, 2020 · Amount on Record
Deed Sale	May 18, 2020 · Amount on Record
Prior Sale	Aug 27, 2003 · Amount on Record
Deed Document Number	2020319830
Deed Book / Page	7297 / 506
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	575 MISTY MOUNTAIN DR, O FALLON, MO 63368-3998
Transaction Type	Mortgage
Record Updated	Mar 29, 2021
Title Company	TOUCHSTONE TITLE AND ABSTRACT, TOUCHSTONE TITLE & ABSTRACT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	575 MISTY MOUNTAIN DR, O FALLON, MO 63368-3998

Mortgage

Document Number	2021R020467
Date	Mar 9, 2021
Instrument	2021R-020467

Lender

Name	ACCESS CAPITAL FUNDING LLC
Type	Lending Institution

Agreement

Type	Conventional Mortgage

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	575 MISTY MOUNTAIN DR, O FALLON, MO 63368-3998
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0070471843
Date	Mar 18, 2019
Book Page	7047/1843
Instrument	20190318000118930

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	Feb 15, 2029

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	May 18, 2020
Property Address	575 MISTY MOUNTAIN DR, O FALLON, MO 63368-3998
Document Number	0072970506
Book / Page	7297 / 506
Map Reference	MB 38 PG 194
Instrument Date	May 12, 2020
Instrument	20200518000319830
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	TITLE PARTNERS AGENCY LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	236 SAVOY DR, 236, LAKE SAINT LOUIS, MO 63367-1216

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	575 MISTY MOUNTAIN DR, O FALLON, MO 63368-3998
Investor	Possibly a Property Investor

Mortgage

Document Number	20200518000319840
Date	May 18, 2020
Instrument	20200518000319840

Lender

Name	ACCESS CAPITAL FUNDING LLC
Type	Lending Institution

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

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		$78,113 (-)	$411,119 (-) Land $60,000 Building $351,119
2025	$4,867.00	$78,113 (+3.69%)	$411,119 (+3.69%) Land $60,000 Building $351,119
2023		$75,335
2022			$396,502 Land $55,000 Building $341,502

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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