St. Charles County property record for 402 Shady River Dr, O Fallon, MO 63366
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,974 sqft · built 2014 |
| Lot Size | 0.27 acres (11,761 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $261,000 (May 2016) |
| Tax Bill | $4,581 (2025) |
| Deeds & Mortgages | Apr 2026 Line of Credit Mar 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | T070300357 |
| Primary APN | T070300357 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,974 sqft Living Area |
| Gross Area | 4,560 sqft |
| 1st Floor Area | 1,974 sqft |
| Basement Area | 1,956 sqft |
| Year Built | Built 2014 |
|---|---|
| Effective Year Built | Effective 2014 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Lot Area | 11,761 sqft (0.27 acres) |
| Garage Type | Attached |
| Garage Area | 630 sqft |
| Parking Spaces | 3 Parking Spaces |
| Heating Fuel | Gas |
|---|---|
| Sewer | Connected |
| Account Number | T070300357 |
|---|---|
| Street Address | 402 SHADY RIVER DR |
| City | O FALLON |
| State | MO |
| Zip | 63366-1559 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | RIVERDALE VLG B #1 LOT 47 |
| Legal Subdivision | RIVERDALE VLG B #1 |
| Legal Lot Number | 47 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | WENTZVILLE |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 312001 |
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 | 402 SHADY RIVER DR, O FALLON, MO 63366-1559 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 17, 2026 | Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC |
| Mar 25, 2020 | Deed of Trust, Mortgage · Conventional Mortgage DELMAR FINANCIAL CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 24, 2016 · Amount on Record |
| Deed Sale | May 24, 2016 · Amount on Record |
| Prior Sale | Oct 30, 2014 · Amount on Record |
| Deed Document Number | 201631613 |
| Deed Book / Page | 6543 / 1440 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Apr 17, 2026 |
| Property Address | 402 SHADY RIVER DR, O FALLON, MO 63366-1559 |
| Document Number | 0000017701 |
| Instrument Date | Apr 11, 2026 |
| Instrument | 202617701 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES |
| Name | Verified Name |
|---|---|
| Address | 402 SHADY RIVER DR, O FALLON, MO 63366-1559 |
| Document Number | 0000017701, |
|---|---|
| Date | Apr 17, 2026 |
| Instrument | 202617701 |
| Name | FIGURE LENDING LLC |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | May 7, 2046 |
| Rate | 6.11% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 402 SHADY RIVER DR, O FALLON, MO 63366-1559 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0072552170 |
|---|---|
| Date | Mar 25, 2020 |
| Book Page | 7255/2170 |
| Instrument | 20200325000184610 |
| Name | DELMAR FINANCIAL CO |
|---|---|
| Type | Lending Institution |
| Address | SAINT LOUIS, MO 63141 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2050 |
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 | $74,683 (-) | $393,068 (-) Land $70,000 Building $323,068 | |
| 2025 | $4,581.00 (-2.55%) | $74,683 (+0.22%) | $393,068 (+0.22%) Land $70,000 Building $323,068 |
| 2024 | $4,701.00 | ||
| 2023 | $74,522 | ||
| 2022 | $392,223 Land $55,000 Building $337,223 |
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.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 93% of the US · lower than 90% of Missouri |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
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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