1326 Shallow Lake Dr, O Fallon, MO 63366 Property Records

St. Charles County property record for 1326 Shallow Lake Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,105 sqft · built 1984
Lot Size	0.18 acres (7,841 sqft)
Owner	2 Individual Names on File
Last Sale	$265,000 (Aug 2023)
Tax Bill	$3,167 (2025)
Deeds & Mortgages	Aug 2023 Mortgage Apr 2023 Foreclosure
Flood Zone	Zone X (minimal risk)
APN	`A850002165`

Property Details

APN / Parcel Number

Primary APN	`A850002165`
Alternative APN	`4-0022-5738-00-0034.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,105 sqft Living Area
Gross Area	2,510 sqft
1st Floor Area	1,105 sqft
Basement Area	1,105 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,841 sqft (0.18 acres)
Garage Type	Attached
Garage Area	300 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Porch
Porch Area	95 sqft
Deck Area	Deck Area
Patio Area	48 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	A850002165
Street Address	1326 SHALLOW LAKE DR
City	O FALLON
State	MO
Zip	63366-3711
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OSAGE MEADOWS #1 LOT 34
Legal Subdivision	OSAGE MEADOWS #1
Legal Lot Number	34
Jurisdiction	ST CHARLES MO
Township / Civil Division	LAKE ST. LOUIS
Census Block Group	4
Census Block	4010
Census Tract	311907

Owner

1326 Shallow Lake Dr is owned and occupied by two individuals who bought it in August 2023.

Source: St. Charles County records, as of September 10, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1326 SHALLOW LAKE DR, O FALLON, MO 63366-3711
Occupancy	Owner Occupied
Owner Type	Individual

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

Date	Document
Aug 3, 2023	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Apr 27, 2023	Foreclosure

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 3, 2023 · Amount on File
Deed Sale	Aug 3, 2023 · Amount on File
Prior Sale	Apr 27, 2023 · Amount on File
Deed Document Number	202331057
Prior Transfer Date	Apr 7, 2023
Prior Transfer Doc	0000015880
Record Updated	Oct 29, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Aug 3, 2023
Property Address	1326 SHALLOW LAKE DR, O FALLON, MO 63366-3711
Document Number	0000031057
Map Reference	MB 23 PG 133
Instrument Date	Aug 2, 2023
Instrument	2023R-031057
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	SYNERGY TITLE

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1500 HERITAGE MANOR CT, SAINT PETERS, MO 63303-8483

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1326 SHALLOW LAKE DR, O FALLON, MO 63366-3711

Mortgage

Document Number	0000031058
Date	Aug 3, 2023
Instrument	2023R-031058

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2053

April 2023: Foreclosure

Document Type	Foreclosure
Jurisdiction	ST CHARLES MO
Recording Date	Apr 27, 2023
Property Address	1326 SHALLOW LAKE DR, O FALLON, MO 63366-3711
Document Number	0000015880
Map Reference	MB 23 PG 133
Instrument Date	Apr 7, 2023
Instrument	2023R-015880
Transaction Type	Foreclosure
Record Updated	Jan 17, 2024

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1500 HERITAGE MANOR CT, SAINT PETERS, MO 63303-8483
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 1326 Shallow Lake Dr was $3,167.

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	Wentzville R-IV School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$46,195 (-)	$243,134 (-) Land $45,000 Building $198,134
2025	$3,167.00	$46,195	$243,134 Land $45,000 Building $198,134
2023		$41,787 (+23.23%)
2022	$3,297.00	$33,910	$219,933 (+23.23%) Land $45,000 Building $174,933
2021			$178,476 Land $35,000 Building $143,476

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 1326 Shallow Lake Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective August 25, 2024

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 1326 Shallow Lake Dr has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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 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 570 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
Wisper ISP Fixed Wireless	400 / 30
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: i3 Broadband.

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