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

St. Charles County property record for 414 Shady River Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,550 sqft · built 2015
Lot Size	0.21 acres (9,148 sqft)
Owner	2 Individual Names on File
Last Sale	$230,000 (Mar 2018)
Tax Bill	$3,677 (2024)
Deeds & Mortgages	May 2026 Transfer Mar 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T070300363`

Property Details

APN / Parcel Number

Primary APN	`T070300363`
Alternative APN	`2-0087-A068-00-0053.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,550 sqft Living Area
Gross Area	3,790 sqft
1st Floor Area	1,550 sqft
Basement Area	1,550 sqft

Exterior

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	690 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T070300363
Street Address	414 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 53
Legal Subdivision	RIVERDALE VLG B #1
Legal Lot Number	53
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 26, 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 RIVER DR, O FALLON, MO 63366-1559
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 11, 2026	Transfer on Death Deed, Transfer NONE LISTED ON DOCUMENT
Mar 6, 2018	Warranty Deed, Transfer · Conventional Mortgage US BANK NA
Aug 11, 2017	Loan Modification, Mortgage · Line of Credit FIRST ST BK/ST CHARLES

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 6, 2018 · Amount on File
Deed Sale	Mar 6, 2018 · Amount on File
Prior Sale	Dec 30, 2015 · Amount on File
Deed Document Number	2018117200
Deed Book / Page	6887 / 286
Last Transfer Date	May 8, 2026
Transfer Doc	0000022009
Record Updated	Oct 29, 2026

May 2026: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	ST CHARLES MO
Recording Date	May 11, 2026
Property Address	414 SHADY RIVER DR, O FALLON, MO 63366-1559
Document Number	0000022009
Instrument Date	May 8, 2026
Instrument	202622009
Transaction Type	Transfer
Record Updated	Aug 28, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	414 SHADY RIVER DR, O FALLON, MO 63366-1559

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Mar 6, 2018
Property Address	414 SHADY RIVER DR, O FALLON, MO 63366-1559
Document Number	0068870286
Book / Page	6887 / 0286
Map Reference	MB 43 PG 148-151
Instrument Date	Mar 1, 2018
Instrument	20180306000117200
Transaction Type	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	414 SHADY RIVER DR, O FALLON, MO 63366-1559

Mortgage

Document Number	20180306000117210
Date	Mar 6, 2018
Instrument	20180306000117210

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2048

August 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST CHARLES MO
Property Address	414 SHADY RIVER DR, O FALLON, MO 63366-1559
Document Number	0067950218
Book / Page	006795 / 000218
Instrument Date	Aug 11, 2017
Transaction Type	Mortgage
Record Updated	Aug 29, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 29420 ST LOUIS MO 631267420, ST LOUIS, MO 63126-7420

Mortgage

Document Number	0067950218
Date	Aug 22, 2017
Book Page	006795/000218
Instrument	526950

Lender

Name	FIRST ST BK/ST CHARLES
Type	Bank
Address	SAINT CHARLES, MO 63301-1852

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	Aug 21, 2018

Interest

Rate Type	Adjustable Rate

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		$58,626 (-)	$308,558 (-) Land $52,500 Building $256,058
2025		$58,626 (+0.75%)	$308,558 (+0.75%) Land $52,500 Building $256,058
2024	$3,677.00
2023		$58,188
2022			$306,254 Land $41,250 Building $265,004

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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