1014 Shady Timber Dr, O Fallon, MO 63366 Property Records

St. Charles County property record for 1014 Shady Timber Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 4,649 sqft · built 2006
Lot Size	0.38 acres (16,553 sqft)
Owner	2 Individual Names on Record
Last Sale	$420,000 (Jun 2008)
Tax Bill	$7,046 (2025)
Deeds & Mortgages	Jan 2023 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`T050300230`

Property Details

APN / Parcel Number

Primary APN	`T050300230`
Alternative APN	`2-0050-9700-00-0037.0000000`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	4,649 sqft Living Area
Gross Area	7,240 sqft
1st Floor Area	2,455 sqft
Basement Area	2,399 sqft
Finished Basement	594 sqft
Unfinished Basement	1,805 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	16,553 sqft (0.38 acres)
Garage Type	Attached
Garage Area	786 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	42 sqft
Patio Area	192 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T050300230
Street Address	1014 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 37
Legal Subdivision	MANORS AT DEER CREEK #3
Legal Lot Number	37
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1014 SHADY TIMBER DR, O FALLON, MO 63366-1475
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 5, 2008 · Amount on Record
Deed Sale	Jun 5, 2008 · Amount on Record
Prior Sale	Jun 5, 2008 · Amount on Record
Deed Document Number	2008408530
Deed Book / Page	5000 / 1168
Record Updated	Oct 29, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1014 SHADY TIMBER DR, O FALLON, MO 63366-1475
Transaction Type	Mortgage
Record Updated	Feb 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1014 SHADY TIMBER DR, O FALLON, MO 63366-1475

Mortgage

Document Number	0000003372
Date	Jan 27, 2023
Instrument	2023R-003372

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Jan 1, 2063

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$110,186 (-)	$579,928 (-) Land $61,600 Building $518,328
2025	$7,046.00	$110,186 (+13.51%)	$579,928 (+13.51%) Land $61,600 Building $518,328
2023		$97,072
2022			$510,906 Land $42,350 Building $468,556

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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