406 Shady River Dr, O Fallon, MO 63366 Property Records

St. Charles County property record for 406 Shady River Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,180 sqft · built 2014
Lot Size	0.21 acres (9,148 sqft)
Owner	Individual Name on File
Last Sale	$294,500 (Dec 2020)
Tax Bill	$4,344 (2025)
Deeds & Mortgages	Dec 2020 Mortgage May 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`T070300359`

Property Details

APN / Parcel Number

Primary APN	`T070300359`
Alternative APN	`2-0087-A068-00-0049.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,180 sqft Living Area
Gross Area	3,860 sqft
1st Floor Area	1,220 sqft
Basement Area	960 sqft

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Lot Area	9,148 sqft (0.21 acres)
Garage Type	Attached
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T070300359
Street Address	406 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 49
Legal Subdivision	RIVERDALE VLG B #1
Legal Lot Number	49
Jurisdiction	ST CHARLES MO
Township / Civil Division	WENTZVILLE
Census Block Group	2
Census Block	2004
Census Tract	312001

Owner

406 Shady River Dr is owned and occupied by an individual who bought it in December 2020.

Source: St. Charles County records, as of August 7, 2026

Owner of Record	Individual Name on File
Mailing Address	406 SHADY RIVER DR, O FALLON, MO 63366-1559
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
Dec 2, 2020	Warranty Deed, Transfer · FHA Mortgage BROKER SOLUTIONS INC
May 23, 2017	Intrafamily Transfer, Transfer · Conventional Mortgage PEOPLES BANK & TRUST CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 2, 2020 · Amount on File
Deed Sale	Dec 2, 2020 · Amount on File
Prior Sale	May 23, 2017 · Amount on File
Deed Document Number	202094092
Prior Transfer Date	Oct 5, 2016
Prior Transfer Doc	0000316630
Record Updated	Oct 29, 2026

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Dec 2, 2020
Property Address	406 SHADY RIVER DR, O FALLON, MO 63366-1559
Document Number	0000094092
Map Reference	MB 43 PG 148
Instrument Date	Nov 24, 2020
Instrument	2020R-094092
Transaction Type	Transfer
Record Updated	Aug 16, 2022
Title Company	TITLE PARTNERS AGENCY LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5 SETTERS POINT LN, 5, O FALLON, MO 63366-5245

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 SHADY RIVER DR, O FALLON, MO 63366-1559

Mortgage

Document Number	0000094093
Date	Dec 2, 2020
Instrument	2020R-094093

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2050

May 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	May 23, 2017
Property Address	406 SHADY RIVER DR, O FALLON, MO 63366-1559
Document Number	0000316630
Book / Page	6748 / 0224
Map Reference	MB 43 PG 148
Instrument Date	Oct 5, 2016
Instrument	20170523000316630
Transaction Type	Transfer
Record Updated	Aug 16, 2022

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 SHADY RIVER DR, O FALLON, MO 63366-1559

Mortgage

Document Number	0000316640
Date	May 23, 2017
Instrument	20170523000316640

Lender

Name	PEOPLES BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	174 Months
Due	Nov 1, 2031

Tax Assessment & Valuation

The 2025 property tax bill for 406 Shady River Dr was $4,344.

Source: St. Charles County assessment roll, as of August 7, 2026

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Municipality	St. Paul City
Unified School District	Fort Zumwalt R-II School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$70,806 (-)	$372,664 (-) Land $70,000 Building $302,664
2025	$4,344.00	$70,806	$372,664 Land $70,000 Building $302,664
2023		$67,627
2022			$355,932 Land $55,000 Building $300,932

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 406 Shady River Dr 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	Severe Storms, Tornadoes, Flooding, Apr 1994 · 3 claims Severe Storms & Flooding, Sep 1993 · 8 claims

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

Wildfire risk around 406 Shady River Dr 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 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.

Drinking Water

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

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 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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