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

St. Charles County property record for 412 Shady River Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,144 sqft · built 2014
Lot Size	0.21 acres (9,148 sqft)
Owner	2 Owner Names on Record
Last Sale	$232,655 (Dec 2014)
Tax Bill	$4,324 (2025)
Deeds & Mortgages	Jan 2022 Line of Credit Feb 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T070300362`

Property Details

APN / Parcel Number

Primary APN	`T070300362`
Alternative APN	`2-0087-A068-00-0052.0000000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,144 sqft Living Area
Basement Area	1,332 sqft

Exterior

Year Built	Built 2014
Exterior Material	Brick/Stone
Lot Area	9,148 sqft (0.21 acres)
Garage Type	Attached
Parking Spaces	3 Parking Spaces

Location & Zoning

Account Number	T070300362
Old Parcel Number	T070300362
Street Address	412 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 52
Legal Range	02E
Legal Township	48N
Legal Subdivision	RIVERDALE VLG B #1
Legal Lot Number	52
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 March 16, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Owner Names on Record
Mailing Address	412 SHADY RIVER DR, O FALLON, MO 63366-1559
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Date	Document
Jan 27, 2022	Deed of Trust, Mortgage · Line of Credit FIRST COMMUNITY CU
Feb 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST COMMUNITY CU
Apr 11, 2017	Deed of Trust, Mortgage · Line of Credit FIRST COMMUNITY CU OF BELOIT

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 2, 2014 · Amount on Record
Deed Sale	Dec 2, 2014 · Amount on Record
Deed Document Number	0006274622
Deed Book / Page	6274 / 622
Record Updated	Jun 8, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	412 SHADY RIVER DR, O FALLON, MO 63366-1559
Transaction Type	Mortgage
Record Updated	Feb 9, 2022
Title Company	CLEAR TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	412 SHADY RIVER DR, SAINT PAUL, MO 63366-1559

Mortgage

Document Number	0000005590
Date	Jan 27, 2022
Instrument	2022R-005590

Lender

Name	FIRST COMMUNITY CU
Type	Credit Union
Address	CHESTERFIELD, MO 63005

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Jan 1, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	412 SHADY RIVER DR, O FALLON, MO 63366-1559
Transaction Type	Mortgage
Record Updated	Mar 24, 2021
Title Company	TOUCHSTONE TITLE AND ABSTRACT, TOUCHSTONE TITLE & ABSTRACT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	412 SHADY RIVER DR, SAINT PAUL, MO 63366-1559

Mortgage

Document Number	2021R016541
Date	Feb 25, 2021
Instrument	2021R-016541

Lender

Name	FIRST COMMUNITY CU
Type	Credit Union
Address	CHESTERFIELD, MO 63005

Agreement

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

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	412 SHADY RIVER DR, O FALLON, MO 63366-1559
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0067252011
Date	Apr 11, 2017
Book Page	6725/2011
Instrument	20170411000215400

Lender

Name	FIRST COMMUNITY CU OF BELOIT
Type	Credit Union
Address	CHESTERFIELD, MO 63005

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	179 Months
Due	Mar 29, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of July 1, 2025

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
2025	$4,324.00	$70,471 (+4.67%)	$370,901 (+4.67%) Land $70,000 Building $300,901
2023		$67,328
2022			$354,356 Land $55,000 Building $299,356

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 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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