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

St. Charles County property record for 578 Misty Mountain Dr, O Fallon, MO 63368

Property Summary

Property TypeSingle Family Home
Details3 bd · 2.5 ba · 2,174 sqft · built 2004
Lot Size0.17 acres (7,405 sqft)
Owner2 Individual Names on File
Last Sale$289,900 (Aug 2020)
Tax Bill$4,417 (2025)
Deeds & MortgagesJun 2021 Mortgage
Aug 2020 Mortgage
Flood ZoneZone X (minimal risk)
APNT021700255

Property Details

APN / Parcel Number

Primary APNT021700255
Alternative APN
  • 2-0130-8876-00-0412.0000000

Interior

Bedrooms3 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Total Rooms8 Rooms
Stories2 Stories
Building Area2,174 sqft Living Area
Gross Area3,786 sqft
1st Floor Area1,087 sqft
Basement Area1,087 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2004
Effective Year BuiltEffective 2004
Architectural StyleBi-Level
Exterior MaterialAluminum/Vinyl
Lot Area7,405 sqft (0.17 acres)
Garage TypeAttached
Garage Area525 sqft
Parking Spaces2 Parking Spaces
PorchOpen Porch
Porch Area166 sqft

Utilities, Heating & Cooling

Heating FuelGas
SewerConnected

Location & Zoning

Account NumberT021700255
Street Address578 MISTY MOUNTAIN DR
CityO FALLON
StateMO
Zip63368-3997
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSTONEY MOUNTAIN VLG LOT 412
Legal SubdivisionSTONEY MOUNTAIN VLG
Legal Lot Number412
JurisdictionST CHARLES MO
Township / Civil DivisionBOONE
Census Block Group2
Census Block2001
Census Tract311153

Owner

578 Misty Mountain Dr is owned by two individuals who bought it in August 2020.

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

Owner of Record2 Individual Names on File
Mailing Address710 BALCARRA DR, O FALLON, MO 63368-6791
Owner TypeIndividual

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

Deeds, Mortgages & Sale History

DateDocument
Jun 30, 2021Deed of Trust, Mortgage · Conventional Mortgage
GUARANTEED RATE AFFINITY LLC
Aug 7, 2020Warranty Deed, Transfer · Conventional Mortgage
GUARANTEED RATE AFFINITY LLC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 7, 2020 · Amount on File
Deed SaleAug 7, 2020 · Amount on File
Prior SaleJun 29, 2012 · Amount on File
Deed Document Number2020566940
Deed Book / Page7366 / 1756
Record UpdatedOct 29, 2026

June 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST CHARLES MO
Property Address578 MISTY MOUNTAIN DR, O FALLON, MO 63368-3997
Transaction TypeMortgage
Record UpdatedJul 14, 2021
Title CompanyTITLE PARTNERS AGENCY LLC

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number2021R055239
DateJun 30, 2021
Instrument2021R-055239
Lender
NameGUARANTEED RATE AFFINITY LLC
TypeMortgage Company
AddressCHICAGO, IL 60613
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term241 Months
DueJul 1, 2041

August 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionST CHARLES MO
Recording DateAug 7, 2020
Property Address578 MISTY MOUNTAIN DR, O FALLON, MO 63368-3997
Document Number0073661756
Book / Page7366 / 1756
Map ReferenceMB 38 PG 194
Instrument DateAug 6, 2020
Instrument20200807000566940
Transaction TypeTransfer
Record UpdatedAug 9, 2021
Title CompanyTITLE PARTNERS AGENCY LLC

Transaction

Tax$0.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1388 LAKE KNOLL DR, 1388, LAKE SAINT LOUIS, MO 63367-3009

Transferred To (Grantee/Buyer)

NameVerified Name
Address578 MISTY MOUNTAIN DR, O FALLON, MO 63368-3997

Mortgage

Document Number20200807000566950
DateAug 7, 2020
Instrument20200807000566950
Lender
NameGUARANTEED RATE AFFINITY LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueSep 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 578 Misty Mountain Dr was $4,417.

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

Property Jurisdictions

TypeName
StateMissouri
CountySt. Charles County
MunicipalityO'Fallon City
Unified School DistrictFort Zumwalt R-II School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$70,831 (-)$372,796 (-) Land $60,000 Building $312,796
2025$4,417.00$70,831$372,796 Land $60,000 Building $312,796
2023$68,322
2022$359,591 Land $55,000 Building $304,591

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

FEMA maps place 578 Misty Mountain Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective August 25, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 9 (5% premium discount)
Nearby Flood Policies1 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

Wildfire risk around 578 Misty Mountain Dr is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 80% of the US · lower than 84% of Missouri
Wildfire Likelihood0.01% annual chance
ExposureNone
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 SystemST CHARLES COUNTY PWSD 2
serves 100,587 people · EPA ID MO6024530
Water SourcePurchased surface water from ST LOUIS CITY PWS
Last State InspectionAug 2023
Lead2 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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

ProviderMax 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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