608 Shady Ln, O Fallon, MO 63366 Property Records

St. Charles County property record for 608 Shady Ln, O Fallon, MO 63366

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 1,790 sqft · built 1950
Lot Size	0.305 acres (13,300 sqft)
Owner	2 Individual Names on Record
Last Sale	$246,642 (Jan 2026)
Tax Bill	$2,201 (2025)
Deeds & Mortgages	Jan 2026 Mortgage Mar 2024 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`248730A000`

Property Details

APN / Parcel Number

Primary APN	`248730A000`
Alternative APN	`2-057A-4439-00-0023.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Units	2 Units
Stories	1 Story
Building Area	1,790 sqft Living Area
Gross Area	2,250 sqft
1st Floor Area	1,790 sqft

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	13,300 sqft (0.305 acres)
Lot Dimensions	100 ft deep x 133 ft wide
Garage Type	Attached
Garage Area	460 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	248730A000
Street Address	608 SHADY LN
City	O FALLON
State	MO
Zip	63366-2562
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	AE9
Legal Description	SUNSET TERR LOT 23
Legal Subdivision	SUNSET TERR SEC 29 47/3
Legal Lot Number	23
Jurisdiction	ST CHARLES MO
Township / Civil Division	WENTZVILLE
Census Block Group	1
Census Block	1011
Census Tract	311802

Owner

Source: St. Charles County records, as of September 11, 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	606 SHADY LN, O FALLON, MO 63366-2562
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Jan 14, 2026	Intrafamily Transfer, Transfer · FHA Mortgage KIND LENDING LLC
Mar 25, 2024	Special Warranty Deed, Transfer · FHA Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 14, 2026 · Amount on Record
Deed Sale	Jan 14, 2026 · Amount on Record
Prior Sale	Mar 25, 2024 · Amount on Record
Deed Document Number	20262023
Prior Transfer Date	Jan 8, 2026
Prior Transfer Doc	0000002023
Record Updated	Oct 29, 2026

January 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Jan 14, 2026
Property Address	608 SHADY LN, O FALLON, MO 63366-2562
Document Number	0000002023
Map Reference	MB 6 PG 32
Instrument Date	Jan 8, 2026
Instrument	2026R-002023
Transaction Type	Transfer
Record Updated	Jan 29, 2026
Title Company	TITLE PARTNERS AGENCY LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	606 SHADY LN, O FALLON, MO 63366-2562

Mortgage

Document Number	0000002024
Date	Jan 14, 2026
Instrument	2026R-002024

Lender

Name	KIND LENDING LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

March 2024: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Mar 25, 2024
Property Address	608 SHADY LN, O FALLON, MO 63366-2562
Document Number	0000011014
Map Reference	MB 6 PG 32&33
Instrument Date	Mar 22, 2024
Instrument	2024R-011014
Transaction Type	Transfer
Record Updated	Jan 29, 2026
Title Company	INVESTORS TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	14 APPALOOSA CT, WENTZVILLE, MO 63385-4514

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	606 SHADY LN # 608, 608, O FALLON, MO 63366-2562

Mortgage

Document Number	0000011015
Date	Mar 25, 2024
Instrument	2024R-011015

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2054

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	O'Fallon 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		$33,784 (-)	$177,809 (-) Land $50,000 Building $127,809
2025	$2,201.00	$33,784 (+12.41%)	$177,809 (+12.4%) Land $50,000 Building $127,809
2023		$30,055
2022			$158,188 Land $35,000 Building $123,188

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
Nearby Flood Claims	2 (1979–1982)
Most Recent Claim	Dec 1982 · tidal / storm surge

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 99.1% of the US · lower than 98.2% 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.

Drinking Water

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

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 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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