10 Shady River Ct, O Fallon, MO 63366 Property Records

St. Charles County property record for 10 Shady River Ct, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,280 sqft · built 2011
Lot Size	0.3 acres (13,068 sqft)
Owner	2 Individual Names on Record
Last Sale	$234,155 (Jul 2011)
Tax Bill	$5,298 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Jan 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`T070300371`

Property Details

APN / Parcel Number

Primary APN	`T070300371`
Alternative APN	`2-0087-A068-00-0061.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,280 sqft Living Area
Gross Area	5,220 sqft
1st Floor Area	2,280 sqft
Basement Area	2,280 sqft

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Architectural Style	Ranch
Exterior Material	Brick/Stone
Lot Area	13,068 sqft (0.3 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	660 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	30 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T070300371
Street Address	10 SHADY RIVER CT
City	O FALLON
State	MO
Zip	63366-1562
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RIVERDALE VLG B #1 LOT 61
Legal Subdivision	RIVERDALE VLG B #1
Legal Lot Number	61
Jurisdiction	ST CHARLES MO
Township / Civil Division	WENTZVILLE
Census Block Group	2
Census Block	2004
Census Tract	312001

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	10 SHADY RIVER CT, O FALLON, MO 63366-1562
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 3, 2020	Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Jan 3, 2022	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN MORTGAGE CORP
Jun 7, 2017	Deed of Trust, Mortgage · Line of Credit COMMERCE BANK
Feb 6, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 18, 2011 · Amount on Record
Deed Sale	Jul 18, 2011 · Amount on Record
Deed Document Number	2011412170
Deed Book / Page	5610 / 1000
Prior Transfer Date	Mar 9, 2011
Prior Transfer Doc	0055611061
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	10 SHADY RIVER CT, O FALLON, MO 63366-1562
Transaction Type	Mortgage
Record Updated	Jan 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 SHADY RIVER CT, O FALLON, MO 63366-1562

Mortgage

Document Number	0000094335
Date	Dec 3, 2020
Instrument	2020R-094335

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	FLINT, MI 48501

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Dec 1, 2035

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	10 SHADY RIVER CT, O FALLON, MO 63366-1562
Transaction Type	Mortgage
Record Updated	Jan 14, 2022
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000248
Date	Jan 3, 2022
Instrument	2022R-000248

Lender

Name	AMERICAN MORTGAGE CORP
Type	Mortgage Company
Address	SAINT LOUIS, MO 63114

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 1, 2037

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	10 SHADY RIVER CT, O FALLON, MO 63366-1562
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE INSURAN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0067552486
Date	Jun 7, 2017
Book Page	6755/2486
Instrument	20170607000349100

Lender

Name	COMMERCE BANK
Type	Bank
Address	O FALLON, MO 63366

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	10 SHADY RIVER CT, O FALLON, MO 63366-1562
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0072270264
Date	Feb 6, 2020
Book Page	7227/0264
Instrument	20200206000074930

Lender

Name	AMERICAN MORTGAGE CORP
Type	Mortgage Company
Address	SAINT LOUIS, MO 63114

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Mar 1, 2035

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	St. Paul 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		$86,449 (-)	$454,996 (-) Land $70,000 Building $384,996
2025	$5,298.00	$86,449 (-0.07%)	$454,996 (-0.07%) Land $70,000 Building $384,996
2023		$86,510
2022			$455,315 Land $55,000 Building $400,315

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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	25 (1982–2015)
Claims Outside the SFHA	1 of 25
Most Recent Claim	Jun 2015 · river or lake flooding
Claims by Event	Severe Storms, Tornadoes, Flooding, Apr 1994 · 3 claims Severe Storms & Flooding, Sep 1993 · 8 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 80% of the US · lower than 84% of Missouri
Wildfire Likelihood	0.01% 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 PAUL PWS serves 1,700 people · EPA ID MO6011535
Water Source	Groundwater
Last State Inspection	Aug 2024
Lead	Under 1 ppb (2022–2024) 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 185 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
Brightspeed Fiber	940 / 940
T-Mobile Fixed Wireless	100 / 20

May also be available: Wisper ISP.

Nearby Properties on Shady River Ct

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures