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

St. Charles County property record for 417 Shady River Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,617 sqft · built 2013
Lot Size	0.31 acres (13,504 sqft)
Owner	2 Individual Names on Record
Last Sale	$280,000 (Aug 2019)
Tax Bill	$3,908 (2025)
Deeds & Mortgages	Sep 2020 Mortgage Aug 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`T070300370`

Property Details

APN / Parcel Number

Primary APN	`T070300370`
Alternative APN	`2-0087-A068-00-0060.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,617 sqft Living Area
Gross Area	3,818 sqft
1st Floor Area	1,617 sqft
Basement Area	1,601 sqft

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Architectural Style	Ranch
Exterior Material	Brick/Stone
Lot Area	13,504 sqft (0.31 acres)
Garage Type	Attached
Garage Area	600 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T070300370
Street Address	417 SHADY RIVER DR
City	O FALLON
State	MO
Zip	63366-1561
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RIVERDALE VLG B #1 LOT 60
Legal Subdivision	RIVERDALE VLG B #1
Legal Lot Number	60
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	2 Individual Names on Record
Mailing Address	417 SHADY RIVER DR, O FALLON, MO 63366-1561
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2020	Deed of Trust, Mortgage NEW AMERICAN FNDG
Aug 14, 2019	Warranty Deed, Transfer · Conventional Mortgage BROKER SOLUTIONS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 14, 2019 · Amount on Record
Deed Sale	Aug 14, 2019 · Amount on Record
Deed Document Number	2019427540
Deed Book / Page	7123 / 1089
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	417 SHADY RIVER DR, O FALLON, MO 63366-1561
Document Number	0000072466
Instrument Date	Sep 22, 2020
Transaction Type	Mortgage
Record Updated	Dec 22, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	417 SHADY RIVER DR ST PAUL MO 633661561, ST PAUL, MO 63366-1561

Mortgage

Document Number	0000072466
Date	Sep 29, 2020
Instrument	72466

Lender

Name	NEW AMERICAN FNDG
Type	Funding / Finance Company
Address	TUSTIN, CA 92780

Agreement

Amount	Amount Recorded
Term	300 Months
Due	Sep 28, 2045

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Aug 14, 2019
Property Address	417 SHADY RIVER DR, O FALLON, MO 63366-1561
Document Number	0071231089
Book / Page	7123 / 1089
Map Reference	MB 43 PG 148
Instrument Date	Aug 13, 2019
Instrument	20190814000427540
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	SECOLINK SETTLEMENT SVCS LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	218 NIAGRA DR, 218, WENTZVILLE, MO 63385-3458

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2 ROANOKE PL, FLORISSANT, MO 63031-5237

Mortgage

Document Number	20190814000427550
Date	Aug 14, 2019
Instrument	20190814000427550

Lender

Name	BROKER SOLUTIONS INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2049

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		$63,656 (-)	$335,033 (-) Land $70,000 Building $265,033
2025	$3,908.00	$63,656 (+0.79%)	$335,033 (+0.79%) Land $70,000 Building $265,033
2023		$63,155
2022			$332,396 Land $55,000 Building $277,396

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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