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

St. Charles County property record for 407 Shady River Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,550 sqft · built 2016
Lot Size	0.29 acres (12,632 sqft)
Owner	Individual Name on Record
Tax Bill	$4,086 (2025)
Deeds & Mortgages	Sep 2021 Mortgage May 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T070300380`

Property Details

APN / Parcel Number

Primary APN	`T070300380`
Alternative APN	`2-0087-A068-00-0070.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,550 sqft Living Area
Gross Area	3,860 sqft
1st Floor Area	1,600 sqft
Basement Area	1,600 sqft
Finished Basement	950 sqft
Unfinished Basement	650 sqft

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Architectural Style	Ranch
Exterior Material	Brick/Stone
Lot Area	12,632 sqft (0.29 acres)
Garage Type	Attached
Garage Area	660 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T070300380
Street Address	407 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 70
Legal Subdivision	RIVERDALE VLG B #1
Legal Lot Number	70
Jurisdiction	ST CHARLES MO
Township / Civil Division	WENTZVILLE
Census Block Group	2
Census Block	2004
Census Tract	312001

Owner

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	Individual Name on Record
Mailing Address	407 SHADY RIVER DR, O FALLON, MO 63366-1560
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
May 11, 2020	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Jan 31, 2017	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage GERSHMAN INVESTMENT CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 20, 2020
Deed Sale	Nov 20, 2020
Prior Sale	Jan 31, 2017 · Amount on Record
Deed Document Number	202090381
Prior Transfer Date	Nov 15, 2020
Prior Transfer Doc	2020R090381
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	407 SHADY RIVER DR, O FALLON, MO 63366-1560
Transaction Type	Mortgage
Record Updated	Oct 12, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	407 SHADY RIVER DR, O FALLON, MO 63366-1560

Mortgage

Document Number	2021R081174
Date	Sep 29, 2021
Instrument	2021R-081174

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	407 SHADY RIVER DR, O FALLON, MO 63366-1560
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0072911566
Date	May 11, 2020
Book Page	7291/1566
Instrument	20200511000300820

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

January 2017: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jan 31, 2017
Property Address	407 SHADY RIVER DR, O FALLON, MO 63366-1560
Document Number	0066930474
Book / Page	6693 / 0474
Map Reference	MB 43 PG 148-151
Instrument Date	Jan 26, 2017
Instrument	20170131000066680
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 9, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	407 SHADY RIVER DR, O FALLON, MO 63366-1560

Mortgage

Document Number	0066930476
Date	Jan 31, 2017
Book Page	6693/0476
Instrument	20170131000066690

Lender

Name	GERSHMAN INVESTMENT CORP
Type	Mortgage Company
Address	SAINT LOUIS, MO 63105

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2047

Tax Assessment & Valuation

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		$66,560 (-)	$350,317 (-) Land $70,000 Building $280,317
2025	$4,086.00	$66,560 (+2.77%)	$350,317 (+2.77%) Land $70,000 Building $280,317
2023		$64,764
2022			$340,861 Land $55,000 Building $285,861

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

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

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.

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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