St. Charles County property record for 414 Shady Ln, O Fallon, MO 63366
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,456 sqft · built 1965 |
| Lot Size | 0.286 acres (12,450 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $173,500 (Feb 2015) |
| Tax Bill | $3,139 (2025) |
| Deeds & Mortgages | May 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 249510A000 |
| Primary APN | 249510A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,456 sqft Living Area |
| Gross Area | 2,872 sqft |
| 1st Floor Area | 1,456 sqft |
| Basement Area | 936 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1965 |
|---|---|
| Effective Year Built | Effective 1965 |
| Architectural Style | Split Level |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 12,450 sqft (0.286 acres) |
| Lot Dimensions | 166 ft deep x 75 ft wide |
| Garage Type | Attached |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 84 sqft |
| Patio Area | 375 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 249510A000 |
|---|---|
| Street Address | 414 SHADY LN |
| City | O FALLON |
| State | MO |
| Zip | 63366-2446 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AE9 |
| Legal Description | SUNSET TERR #2 BLK 2 LOT 3 |
| Legal Subdivision | SUNSET TERR #2 |
| Legal Block | 2 |
| Legal Lot Number | 3 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | WENTZVILLE |
| Census Block Group | 2 |
| Census Block | 2035 |
| Census Tract | 311802 |
414 Shady Ln is owned and occupied by two individuals who bought it in February 2015.
Source: St. Charles County records, as of August 7, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 414 SHADY LN, O FALLON, MO 63366-2446 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 5, 2015 · Amount on File |
| Deed Sale | Feb 5, 2015 · Amount on File |
| Prior Sale | Dec 27, 2006 · Amount on File |
| Deed Document Number | 201568930 |
| Deed Book / Page | 6301 / 2448 |
| Prior Transfer Date | Jan 30, 2015 |
| Prior Transfer Doc | 0063012450 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 414 SHADY LN, O FALLON, MO 63366-2446 |
| Transaction Type | Mortgage |
| Record Updated | May 17, 2022 |
| Name | Verified Name |
|---|---|
| Address | 414 SHADY LN, O FALLON, MO 63366-2446 |
| Document Number | 0000025484 |
|---|---|
| Date | May 4, 2022 |
| Instrument | 2022R-025484 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jun 1, 2037 |
The 2025 property tax bill for 414 Shady Ln was $3,139, up 1.3% from the year before.
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | O'Fallon City |
| Unified School District | Fort Zumwalt R-II School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $48,726 (-) | $256,451 (-) Land $55,000 Building $201,451 | |
| 2025 | $3,139.00 (+1.26%) | $48,726 | $256,451 Land $55,000 Building $201,451 |
| 2024 | $3,100.00 | ||
| 2023 | $46,722 | ||
| 2022 | $245,908 Land $55,000 Building $190,908 |
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.
FEMA maps place 414 Shady Ln in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1979.
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 9 (5% premium discount) |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 5 (1979–2015) |
| Claims Outside the SFHA | 3 of 5 |
| Most Recent Claim | Dec 2015 · Severe Storms, Tornadoes, Straight-line Winds, And Flooding |
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 risk around 414 Shady Ln is low, with less than 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 97% of the US · lower than 95% of Missouri |
|---|---|
| Wildfire Likelihood | Under 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | OFALLON PWS serves 32,515 people · EPA ID MO6010588 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Aug 2024 |
| Lead | 2 ppb (2023–2025) 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 234 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Gateway Fiber Fiber | 2,000 / 2,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
May also be available: AT&T, Brightspeed, Wisper ISP.
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