St. Charles County property record for 405 Shady River Dr, O Fallon, MO 63366
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,496 sqft · built 2015 |
| Lot Size | 0.21 acres (9,148 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $211,864 (Mar 2016) |
| Tax Bill | $3,672 (2025) |
| Deeds & Mortgages | Jun 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | T070300381 |
| Primary APN | T070300381 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,496 sqft Living Area |
| Gross Area | 3,592 sqft |
| 1st Floor Area | 1,496 sqft |
| Basement Area | 1,496 sqft |
| Year Built | Built 2015 |
|---|---|
| Effective Year Built | Effective 2015 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Lot Area | 9,148 sqft (0.21 acres) |
| Garage Type | Attached |
| Garage Area | 600 sqft |
| Parking Spaces | 3 Parking Spaces |
| Heating Fuel | Gas |
|---|---|
| Sewer | Connected |
| Account Number | T070300381 |
|---|---|
| Street Address | 405 SHADY RIVER DR |
| City | O FALLON |
| State | MO |
| Zip | 63366-1560 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | RIVERDALE VLG B #1 LOT 71 |
| Legal Subdivision | RIVERDALE VLG B #1 |
| Legal Lot Number | 71 |
| 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 | 405 SHADY RIVER DR, O FALLON, MO 63366-1560 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 8, 2016 · Amount on Record |
| Deed Sale | Mar 8, 2016 · Amount on Record |
| Deed Document Number | 2016134200 |
| Deed Book / Page | 6501 / 859 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 405 SHADY RIVER DR, O FALLON, MO 63366-1560 |
| Document Number | 0073410269 |
| Instrument Date | Jun 26, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 26, 2020 |
| Title Company | RAVENSWOOD TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 405 SHADY RIVER DR ST PAUL MO 633661560, ST PAUL, MO 63366-1560 |
| Document Number | 0073410269 |
|---|---|
| Date | Jul 9, 2020 |
| Book Page | 007341/000269 |
| Instrument | 476330 |
| Name | GUARANTEED RATE |
|---|---|
| Address | CHICAGO, IL 60613 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jul 8, 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 | $59,775 (-) | $314,606 (-) Land $70,000 Building $244,606 | |
| 2025 | $3,672.00 | $59,775 (+1.05%) | $314,606 (+1.05%) Land $70,000 Building $244,606 |
| 2023 | $59,155 | ||
| 2022 | $311,342 Land $55,000 Building $256,342 |
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 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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