St. Charles County property record for 16 Shady River Ct, O Fallon, MO 63366
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,216 sqft · built 2008 |
| Lot Size | 0.35 acres (15,246 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $271,306 (Mar 2009) |
| Tax Bill | $5,135 (2023) |
| Deeds & Mortgages | Nov 2017 Mortgage Aug 2019 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | T070300374 |
| Primary APN | T070300374 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,216 sqft Living Area |
| Gross Area | 5,122 sqft |
| 1st Floor Area | 2,216 sqft |
| Basement Area | 2,216 sqft |
| Year Built | Built 2008 |
|---|---|
| Effective Year Built | Effective 2008 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Lot Area | 15,246 sqft (0.35 acres) |
| Terrain | Rolling |
| Garage Type | Attached |
| Garage Area | 690 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 91 sqft |
| Deck Area | Deck Area |
| Patio Area | 392 sqft |
| Heating Fuel | Gas |
|---|---|
| Sewer | Connected |
| Account Number | T070300374 |
|---|---|
| Street Address | 16 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 64 |
| Legal Subdivision | RIVERDALE VLG B #1 |
| Legal Lot Number | 64 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | WENTZVILLE |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 312001 |
16 Shady River Ct is owned and occupied by two individuals who acquired it in July 2014.
Source: St. Charles County records, as of August 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 16 SHADY RIVER CT, O FALLON, MO 63366-1562 |
| 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.
| Date | Document |
|---|---|
| Nov 2, 2017 | Deed of Trust, Mortgage · Commercial Mortgage REGIONS BANK |
| Aug 8, 2019 | Deed of Trust, Mortgage · Line of Credit REGIONS BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 31, 2009 · Amount on File |
| Deed Sale | Mar 31, 2009 · Amount on File |
| Prior Sale | Mar 31, 2009 |
| Deed Document Number | 2009241060 |
| Deed Book / Page | 5150 / 981 |
| Last Transfer Date | Jul 24, 2014 |
| Transfer Doc | 0062271775 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 16 SHADY RIVER CT, O FALLON, MO 63366-1562 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0068322267 |
|---|---|
| Date | Nov 2, 2017 |
| Book Page | 6832/2267 |
| Instrument | 20171102000686740 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35211 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 119 Months |
| Due | Oct 25, 2027 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 16 SHADY RIVER CT, O FALLON, MO 63366-1562 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0071201548 |
|---|---|
| Date | Aug 8, 2019 |
| Book Page | 7120/1548 |
| Instrument | 20190808000416930 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35211 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 358 Months |
| Due | Jun 13, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | St. Paul City |
| Unified School District | Fort Zumwalt R-II School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $78,919 (-) | $415,365 (-) Land $70,000 Building $345,365 | |
| 2025 | $78,919 | $415,365 Land $70,000 Building $345,365 | |
| 2023 | $5,135.00 | $81,491 | |
| 2022 | $428,901 Land $55,000 Building $373,901 |
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.
FEMA maps place 16 Shady River Ct in Zone X, an area of minimal flood risk, though there have been 25 flood claims nearby since 1982.
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 |
|
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 risk around 16 Shady River Ct is low, with a 0.01% annual chance of 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.
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 |
| 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.
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.
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