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

St. Charles County property record for 592 Misty Mountain Dr, O Fallon, MO 63368

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,226 sqft · built 2004
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on Record
Last Sale	$245,000 (Jun 2016)
Tax Bill	$4,475 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit Aug 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T021700262`

Property Details

APN / Parcel Number

Primary APN	`T021700262`
Alternative APN	`2-0130-8876-00-0419.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,226 sqft Living Area
Gross Area	3,858 sqft
1st Floor Area	1,119 sqft
Basement Area	1,107 sqft

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Lot Area	7,405 sqft (0.17 acres)
Garage Type	Attached
Garage Area	525 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	166 sqft
Deck Area	Deck Area
Patio Area	192 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T021700262
Street Address	592 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 419
Legal Subdivision	STONEY MOUNTAIN VLG
Legal Lot Number	419
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 September 1, 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	592 MISTY MOUNTAIN DR, O FALLON, MO 63368-3997
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 20, 2026	Deed of Trust, Mortgage · Line of Credit US BANK
Aug 24, 2022	Deed of Trust, Mortgage · Line of Credit US BANK NA
Feb 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 6, 2016 · Amount on Record
Deed Sale	Jun 6, 2016 · Amount on Record
Prior Sale	Mar 31, 2016 · Amount on Record
Deed Document Number	2016341410
Deed Book / Page	6550 / 863
Prior Transfer Date	Jul 5, 2010
Prior Transfer Doc	0000455680
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Recording Date	Aug 20, 2026
Property Address	592 MISTY MOUNTAIN DR, O FALLON, MO 63368-3997
Document Number	0000039879
Instrument Date	Aug 13, 2026
Instrument	202639879
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	592 MISTY MOUNTAIN DR, O FALLON, MO 63368-3997

Mortgage

Document Number	0000039879,
Date	Aug 20, 2026
Instrument	202639879

Lender

Name	US BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 22, 2056

Interest

Max Rate	-1%

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	592 MISTY MOUNTAIN DR, O FALLON, MO 63368-3997
Transaction Type	Mortgage
Record Updated	Sep 9, 2022
Title Company	RADIAN SETTLEMENT SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	592 MISTY MOUNTAIN DR, O FALLON, MO 63368-3997

Mortgage

Document Number	0000046752
Date	Aug 24, 2022
Instrument	2022R-046752

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	119 Months
Due	Jul 24, 2032

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	592 MISTY MOUNTAIN DR, O FALLON, MO 63368-3997
Transaction Type	Mortgage
Record Updated	Aug 16, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	592 MISTY MOUNTAIN DR, O FALLON, MO 63368-3997

Mortgage

Document Number	0000016956
Date	Feb 26, 2021
Instrument	2021R-016956

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

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		$71,774 (-)	$377,756 (-) Land $60,000 Building $317,756
2025	$4,475.00	$71,774 (+6.95%)	$377,756 (+6.94%) Land $60,000 Building $317,756
2023		$67,113
2022			$353,228 Land $55,000 Building $298,228

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	0.02% annual chance
Exposure	Direct burnable vegetation

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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