1010 Shady Timber Dr, O Fallon, MO 63366 Property Records

St. Charles County property record for 1010 Shady Timber Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,742 sqft · built 2006
Lot Size	0.24 acres (10,454 sqft)
Owner	2 Individual Names on Record
Last Sale	$435,000 (Nov 2019)
Tax Bill	$6,711 (2025)
Deeds & Mortgages	Sep 2020 Mortgage Nov 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T050300232`

Property Details

APN / Parcel Number

Primary APN	`T050300232`
Alternative APN	`2-0050-9700-00-0039.0000000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,742 sqft Living Area
Gross Area	6,044 sqft
1st Floor Area	2,110 sqft
Basement Area	1,632 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Bi-Level
Exterior Material	Brick/Stone
Lot Area	10,454 sqft (0.24 acres)
Garage Type	Attached
Garage Area	670 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	40 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T050300232
Street Address	1010 SHADY TIMBER DR
City	O FALLON
State	MO
Zip	63366-1475
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MANORS AT DEER CREEK #3 LOT 39
Legal Subdivision	MANORS AT DEER CREEK #3
Legal Lot Number	39
Jurisdiction	ST CHARLES MO
Township / Civil Division	WENTZVILLE
Census Block Group	1
Census Block	1027
Census Tract	311801

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	1010 SHADY TIMBER DR, O FALLON, MO 63366-1475
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 28, 2020	Deed of Trust, Mortgage GUILD MTG
Nov 15, 2019	Warranty Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO
Oct 1, 2018	Deed of Trust, Mortgage GOLDEN OAK LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 15, 2019 · Amount on Record
Deed Sale	Nov 15, 2019 · Amount on Record
Prior Sale	Dec 8, 2006 · Amount on Record
Deed Document Number	2019655850
Deed Book / Page	7182 / 2156
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1010 SHADY TIMBER DR, O FALLON, MO 63366-1475
Document Number	0000073783
Instrument Date	Sep 28, 2020
Transaction Type	Mortgage
Record Updated	Dec 28, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1010 SHADY TIMBER DR O FALLON MO 633661475, O FALLON, MO 63366-1475

Mortgage

Document Number	0000073783
Date	Oct 1, 2020
Instrument	73783

Lender

Name	GUILD MTG
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 30, 2050

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Nov 15, 2019
Property Address	1010 SHADY TIMBER DR, O FALLON, MO 63366-1475
Document Number	0071822156
Book / Page	7182 / 2156
Map Reference	MB 41 PG 286
Instrument Date	Nov 12, 2019
Instrument	20191115000655850
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	INVESTORS TITLE COMPANY

Transaction

Tax	$0.00
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	26950 TREMBLEY LN, 26950, WRIGHT CITY, MO 63390-4314

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1010 SHADY TIMBER DR, O FALLON, MO 63366-1475

Mortgage

Document Number	20191115000655860
Date	Nov 15, 2019
Instrument	20191115000655860

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2049

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1010 SHADY TIMBER DR, O FALLON, MO 63366-1475
Document Number	0069880466
Instrument Date	Oct 1, 2018
Transaction Type	Mortgage
Record Updated	Oct 26, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1010 SHADY TIMBER DR O FALLON MO 633661475, O FALLON, MO 63366-1475

Mortgage

Document Number	0069880466
Date	Oct 10, 2018
Book Page	006988/000466
Instrument	578180

Lender

Name	GOLDEN OAK LNDG
Address	SAINT LOUIS, MO 63146

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Oct 9, 2033

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		$104,915 (-)	$552,185 (-) Land $61,600 Building $490,585
2025	$6,711.00	$104,915 (+8.27%)	$552,185 (+8.27%) Land $61,600 Building $490,585
2023		$96,899
2022			$509,995 Land $42,350 Building $467,645

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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	5 in force
Nearby Flood Claims	42 (1979–2022)
Claims Outside the SFHA	6 of 42
Most Recent Claim	Jul 2022 · Severe Storms And Flooding
Claims by Event	Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Dec 2015 · 3 claims Severe Storms & Flooding, Jul 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	0.03% 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	OFALLON PWS serves 32,515 people · EPA ID MO6010588
Water Source	Purchased surface water from several systems
Last State Inspection	Aug 2024
Lead	2 ppb (2023–2025) 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 224 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Wisper ISP.

Cell Coverage

5G and 4G LTE (outdoors only)

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