St. Charles County property record for 404 Shady River Dr, O Fallon, MO 63366
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,647 sqft · built 2006 |
| Lot Size | 0.22 acres (9,583 sqft) |
| Owner | Individual Name on File |
| Last Sale | $286,600 (Apr 2021) |
| Tax Bill | $3,768 (2025) |
| Deeds & Mortgages | Jul 2026 Sale Dec 2023 Second Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | T070300358 |
| Primary APN | T070300358 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,647 sqft Living Area |
| Gross Area | 3,670 sqft |
| 1st Floor Area | 1,647 sqft |
| Basement Area | 1,623 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Architectural Style | Ranch |
| Exterior Material | Stone |
| Lot Area | 9,583 sqft (0.22 acres) |
| Terrain | Rolling |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 79 sqft |
| Patio Area | 120 sqft |
| Heating Fuel | Gas |
|---|---|
| Sewer | Connected |
| Account Number | T070300358 |
|---|---|
| Street Address | 404 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 48 |
| Legal Subdivision | RIVERDALE VLG B #1 |
| Legal Lot Number | 48 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | WENTZVILLE |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 312001 |
Source: St. Charles County records · APN T070300358
Assessment roll updated August 13, 2025 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 404 SHADY RIVER DR, O FALLON, MO 63366-1559 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 20, 2026 | Warranty Deed, Transfer US TITLE, UST TITLE |
| Dec 21, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage NEIGHBORS CU |
| Apr 29, 2021 | Warranty Deed, Transfer · FHA Mortgage GUARANTEED RATE INC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Apr 29, 2021 · Amount on Record |
| Deed Sale | Apr 29, 2021 · Amount on Record |
| Prior Sale | Jan 10, 2012 · Amount on Record |
| Deed Document Number | 202137702 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jul 20, 2026 |
| Property Address | 404 SHADY RIVER DR, O FALLON, MO 63366-1559 |
| Document Number | 0000033921 |
| Instrument Date | Jul 16, 2026 |
| Instrument | 202633921 |
| Transaction Type | Transfer |
| Record Updated | Aug 03, 2026 |
| Title Company | US TITLE, UST TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 404 SHADY RIVER DR, O FALLON, MO 63366-1559 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 404 SHADY RIVER DR, O FALLON, MO 63366-1559 |
| Transaction Type | Mortgage |
| Record Updated | Jan 04, 2024 |
| Title Company | OLD REPUBLIC TITLE, ORT |
| Name | Verified Name |
|---|---|
| Address | 404 SHADY RIVER DR, O FALLON, MO 63366-1559 |
| Document Number | 0000051740 |
|---|---|
| Date | Dec 21, 2023 |
| Instrument | 2023R-051740 |
| Name | NEIGHBORS CU |
|---|---|
| Type | Credit Union |
| Address | SAINT LOUIS, MO 63123 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Dec 05, 2033 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Apr 29, 2021 |
| Property Address | 404 SHADY RIVER DR, O FALLON, MO 63366-1559 |
| Document Number | 2021R037702 |
| Map Reference | MB 43 PG 148-151 |
| Instrument Date | Apr 27, 2021 |
| Instrument | 2021R-037702 |
| Transaction Type | Transfer |
| Record Updated | May 13, 2021 |
| Title Company | CONTINENTAL, CONTINENTAL TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1830 HIGHWAY Y, 1830, O FALLON, MO 63366-5110 |
| Name | Verified Name |
|---|---|
| Address | 404 SHADY RIVER DR, O FALLON, MO 63366-1559 |
| Document Number | 2021R037703 |
|---|---|
| Date | Apr 29, 2021 |
| Instrument | 2021R-037703 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2051 |
Source: St. Charles County records · Assessment roll updated August 13, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | St. Paul City |
| Unified School District | Fort Zumwalt R-II School District (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,768.00 | $61,350 (-3.21%) | $322,893 (-3.21%) Land $70,000 Building $252,893 |
| 2023 | $63,386 | ||
| 2022 | $333,611 Land $55,000 Building $278,611 |
Source: FEMA National Flood Hazard Layer as of August 25, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
|
| 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 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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Gateway Fiber Holdings Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Brightspeed Fiber | 940 / 940 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: Wisper ISP.
Based on FCC filings for 185 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ST PAUL PWS serves 1,700 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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