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1405 Garnet Dr, O Fallon, MO 63366 Property Records

St. Charles County property record for 1405 Garnet Dr, O Fallon, MO 63366

Property Summary

Property TypeCondominium
Details2 bd · 3 ba · 2,166 sqft · built 2011
Lot Size0.12 acres (5,227 sqft)
Owner2 Individual Names on Record
Last Sale$151,399 (Jul 2026)
Tax Bill$3,825 (2025)
Deeds & MortgagesJul 2026 Mortgage
Aug 2023 Transfer
Flood ZoneZone X (minimal risk)
APNT040300850

Property Details

APN / Parcel Number

Primary APNT040300850
Alternative APN
  • 2-0140-9449-00-002B.0000000

Interior

Bedrooms2 Beds
Full Baths3 Baths
Total Rooms4 Rooms
Stories1 Story
Building Area2,166 sqft Living Area
Gross Area3,432 sqft
1st Floor Area1,496 sqft
Basement Area1,496 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2011
Effective Year BuiltEffective 2011
Architectural StyleCondo/Apartment
Exterior MaterialBrick/Stone
Lot Area5,227 sqft (0.12 acres)
Garage TypeAttached
Garage Area440 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

PorchSlab
Porch Area24 sqft
Deck AreaDeck Area
Patio Area120 sqft

Utilities, Heating & Cooling

Heating FuelGas
SewerConnected

Location & Zoning

Account NumberT040300850
Street Address1405 GARNET DR
CityO FALLON
StateMO
Zip63366-4793
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Condominium
Legal DescriptionVILLAS AT CRYSTAL RIDGE #2 LOT 2B
Legal SubdivisionVILLAS AT CRYSTAL RIDGE #2
Legal Lot Number2B
JurisdictionST CHARLES MO
Township / Civil DivisionO'FALLON
Census Block Group5
Census Block5004
Census Tract311602

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on Record
Mailing Address1405 GARNET DR, O FALLON, MO 63366-4793
OccupancyOwner Occupied
Owner TypeIndividual
VestingMarried Couple

Deeds, Mortgages & Sale History

DateDocument
Jul 16, 2026Special Warranty Deed, Transfer · Conventional Mortgage
US BANK
Aug 1, 2023Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJul 16, 2026 · Amount on Record
Deed SaleJul 16, 2026 · Amount on Record
Prior SaleMar 11, 2013 · Amount on Record
Deed Document Number202633527
Prior Transfer DateFeb 18, 2013
Prior Transfer Doc0000191530
Record UpdatedOct 29, 2026

July 2026: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionST CHARLES MO
Recording DateJul 16, 2026
Property Address1405 GARNET DR, O FALLON, MO 63366-4793
Document Number0000033527
Instrument DateJul 15, 2026
Instrument202633527
Transaction TypeTransfer
Record UpdatedOct 23, 2026
Title CompanyINVESTORS LAND TITLE, INVESTORS TITLE

Transaction

Tax$0.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address1405 GARNET DR, O FALLON, MO 63366-4793

Mortgage

Document Number0000033528,
DateJul 16, 2026
Instrument202633528
Lender
NameUS BANK
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueAug 1, 2056
Interest
Rate TypeFixed Rate
Initial TypeFixed Rate
Max Rate-1%

August 2023: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionST CHARLES MO
Recording DateAug 1, 2023
Property Address1405 GARNET DR, O FALLON, MO 63366-4793
Document Number0000030590
Map ReferenceMB 40 PG 258
Instrument DateJul 14, 2023
Instrument2023R-030590
Transaction TypeTransfer
Record UpdatedAug 15, 2023

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address12555 MANCHESTER RD, SAINT LOUIS, MO 63131-3710

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Trust
Address12555 MANCHESTER RD, SAINT LOUIS, MO 63131-3710

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of August 7, 2026

Property Jurisdictions

TypeName
StateMissouri
CountySt. Charles County
MunicipalityO'Fallon City
Unified School DistrictFort Zumwalt R-II School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$59,508 (-0.99%)$313,200 (-0.99%) Building $313,200
2025$3,825.00 (+2.99%)$60,101 (+7.12%)$316,319 (+7.12%) Building $316,319
2024$3,714.00 (+11.77%)
2023$56,105 (+20.22%)
2022$3,323.00$46,669$295,289 (+20.22%) Building $295,289
2021$245,625

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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 9 (5% premium discount)
Nearby Flood Policies5 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 RiskLow
lower than 80% of the US · lower than 84% of Missouri
Wildfire Likelihood0.01% annual chance
ExposureNone
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 SystemOFALLON PWS
serves 32,515 people · EPA ID MO6010588
Water SourcePurchased surface water from several systems
Last State InspectionAug 2024
Lead2 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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

ProviderMax 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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