10 Thoreau Ct, O Fallon, MO 63366 Property Records

St. Charles County property record for 10 Thoreau Ct, O Fallon, MO 63366

Property Summary

Property Type	Condominium
Details	2 bd · 2 ba · 1,446 sqft · built 2014
Lot Size	0.201 acres (8,742 sqft)
Owner	2 Company Names on File
Tax Bill	$3,658 (2025)
Deeds & Mortgages	Mar 2023 Transfer Sep 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T160300025`

Property Details

APN / Parcel Number

Primary APN	`T160300025`
Alternative APNs	`2-0050-C288-00-045B.0000000` `20050A91500045B0000000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,446 sqft Living Area
Gross Area	3,333 sqft
1st Floor Area	1,446 sqft
Basement Area	1,446 sqft

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Architectural Style	Condo/Apartment
Exterior Material	Masonry Veneer
Lot Area	8,742 sqft (0.201 acres)
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Account Number	T160300025
Street Address	10 THOREAU CT
City	O FALLON
State	MO
Zip	63366-7456
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	VLGS OF WALDEN POND BDRY ADJ VLGS AT WALDEN POND #6 LOT 45A & 45B LOT 45B
Legal Subdivision	VLGS OF WALDEN POND #6 BDRY ADJ LOT 45A
Legal Lot Number	45B
Jurisdiction	ST CHARLES MO
Township / Civil Division	WENTZVILLE
Census Block Group	3
Census Block	3002
Census Tract	311802

Owner

Source: St. Charles County records, as of October 14, 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 Company Names on File
Mailing Address	10 THOREAU CT, O FALLON, MO 63366-7456
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Mar 13, 2023	Intrafamily Transfer, Transfer
Sep 25, 2020	Deed of Trust, Mortgage · VA Mortgage NEW DAY FIN'L
Sep 6, 2018	Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 13, 2023
Deed Sale	Mar 13, 2023
Prior Sale	Sep 6, 2018 · Amount on File
Deed Document Number	20239169
Prior Transfer Date	Mar 1, 2023
Prior Transfer Doc	0000009169
Record Updated	Oct 29, 2026

March 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Mar 13, 2023
Property Address	10 THOREAU CT, O FALLON, MO 63366-7456
Document Number	0000009169
Map Reference	MB 48 PG 230
Instrument Date	Mar 1, 2023
Instrument	2023R-009169
Transaction Type	Transfer
Record Updated	Mar 27, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10 THOREAU CT, O FALLON, MO 63366-7456

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	10 THOREAU CT, O FALLON, MO 63366-7456
Mail Care Of	EDWARD F AND CAROLE M CONNORS

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	10 THOREAU CT, O FALLON, MO 63366-7456
Document Number	0000073714
Instrument Date	Sep 25, 2020
Transaction Type	Mortgage
Record Updated	Dec 23, 2020
Title Company	COMMONWEALTH USA SETTLEMENTS L

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	10 THOREAU CT O FALLON MO 633667456, O FALLON, MO 63366-7456

Mortgage

Document Number	0000073714
Date	Oct 1, 2020
Instrument	73714

Lender

Name	NEW DAY FIN'L
Type	Funding / Finance Company
Address	FULTON, MD 20759

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 30, 2050

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Sep 6, 2018
Property Address	10 THOREAU CT, O FALLON, MO 63366-7456
Document Number	0069732173
Book / Page	006973 / 002173
Instrument Date	Sep 4, 2018
Instrument	513710
Transaction Type	Transfer
Record Updated	Sep 26, 2018
Title Company	INVESTORS TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	10 THOREAU CT O FALLON MO 633667456, O FALLON, MO 63366-7456

Mortgage

Document Number	69732175
Date	Sep 6, 2018
Book Page	006973/002175
Instrument	513720

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 5, 2048

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		$56,892 (-)	$299,429 (-) Building $299,429
2025	$3,658.00	$56,892 (+2.45%)	$299,429 (+2.45%)
2023		$55,533
2022			$292,280 Building $292,280

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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 9 (5% premium discount)
Nearby Flood Policies	1 in force

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 99.8% of the US · lower than 99.6% 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 338 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
AT&T Fixed Wireless	100 / 20

May also be available: Verizon, Wisper ISP.

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