1404 Garnet Dr, O Fallon, MO 63366 Property Records

St. Charles County property record for 1404 Garnet Dr, O Fallon, MO 63366

Property Summary

Property Type	Condominium
Details	3 bd · 3 ba · 2,422 sqft · built 2011
Lot Size	0.12 acres (5,227 sqft)
Owner	Trust Name on File
Last Sale	$215,800 (Nov 2014)
Deeds & Mortgages	Oct 2023 Line of Credit Sep 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T040300882`

Property Details

APN / Parcel Number

Primary APN	`T040300882`
Alternative APN	`2-0140-9449-00-021B.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,422 sqft Living Area
Gross Area	3,210 sqft
1st Floor Area	1,802 sqft
Basement Area	1,008 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Architectural Style	Townhouse
Exterior Material	Brick/Stone
Lot Area	5,227 sqft (0.12 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	22 sqft
Deck Area	Deck Area
Patio Area	178 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T040300882
Street Address	1404 GARNET DR
City	O FALLON
State	MO
Zip	63366-4794
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	VILLAS AT CRYSTAL RIDGE #2 LOT 21B
Legal Subdivision	VILLAS AT CRYSTAL RIDGE #2
Legal Lot Number	21B
Jurisdiction	ST CHARLES MO
Township / Civil Division	O'FALLON
Census Block Group	5
Census Block	5001
Census Tract	311602

Owner

1404 Garnet Dr, a condominium, is held in a trust since August 2025.

Source: St. Charles County records, as of September 14, 2026

Owner of Record	Trust Name on File
Mailing Address	1404 GARNET DR, O FALLON, MO 63366-4794
Owner Type	Company
Vesting	Trust, Revocable Living Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 19, 2023	Deed of Trust, Mortgage · Line of Credit NEW AMERICAN FUNDING
Sep 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage BROKER SOLUTIONS INC
Apr 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 24, 2014 · Amount on File
Deed Sale	Nov 24, 2014 · Amount on File
Prior Sale	Aug 1, 2012 · Amount on File
Deed Document Number	2014655810
Deed Book / Page	6271 / 499
Last Transfer Date	Aug 18, 2025
Transfer Doc	0000036622
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1404 GARNET DR, O FALLON, MO 63366-4794
Transaction Type	Mortgage
Record Updated	Nov 2, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1404 GARNET DR, O FALLON, MO 63366-4794

Mortgage

Document Number	0000043169
Date	Oct 19, 2023
Instrument	2023R-043169

Lender

Name	NEW AMERICAN FUNDING
Type	Lending Institution
Address	TUSTIN, CA 92780

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Nov 7, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1404 GARNET DR, O FALLON, MO 63366-4794
Transaction Type	Mortgage
Record Updated	Oct 7, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1404 GARNET DR, O FALLON, MO 63366-4794

Mortgage

Document Number	2021R080393
Date	Sep 27, 2021
Instrument	2021R-080393

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company
Address	TUSTIN, CA 92780

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Aug 1, 2051

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1404 GARNET DR, O FALLON, MO 63366-4794
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0072651604
Date	Apr 9, 2020
Book Page	7265/1604
Instrument	20200409000216970

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2050

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	Assessed Value	Assessed Market Value
2026	$60,868	$320,362 Building $320,362
2023	$57,497
2022		$302,617 Building $302,617

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

FEMA maps place 1404 Garnet Dr in Zone X, an area of minimal flood risk.

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	5 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

Wildfire risk around 1404 Garnet Dr is low, with 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 80% of the US · lower than 84% 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	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 112 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
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: Brightspeed, Wisper ISP.

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