1406 Garnet Dr, O Fallon, MO 63366 Property Records

St. Charles County property record for 1406 Garnet Dr, O Fallon, MO 63366

Property Summary

Property Type	Condominium
Details	1 bd · 2.5 ba · 2,291 sqft · built 2011
Lot Size	0.12 acres (5,227 sqft)
Owner	Individual Name on Record
Last Sale	$245,000 (Aug 2020)
Tax Bill	$3,627 (2024)
Deeds & Mortgages	May 2017 Line of Credit Aug 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T040300879`

Property Details

APN / Parcel Number

Primary APN	`T040300879`
Alternative APN	`2-0140-9449-00-020A.0000000`

Interior

Bedrooms	1 Bed
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,291 sqft Living Area
Gross Area	3,256 sqft
1st Floor Area	1,444 sqft
Basement Area	1,412 sqft
Finished Basement	847 sqft
Unfinished Basement	565 sqft

Exterior

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

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T040300879
Street Address	1406 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 20A
Legal Subdivision	VILLAS AT CRYSTAL RIDGE #2
Legal Lot Number	20A
Jurisdiction	ST CHARLES MO
Township / Civil Division	O'FALLON
Census Block Group	5
Census Block	5001
Census Tract	311602

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	Individual Name on Record
Mailing Address	1406 GARNET DR, O FALLON, MO 63366-4794
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 10, 2017	Deed of Trust, Mortgage · Line of Credit COMMERCE BANK
Aug 12, 2020	Warranty Deed, Transfer · Conventional Mortgage CELEBRITY HOME LOANS LLC
Apr 15, 2020	Quit Claim Deed, Transfer HOME LOAN EXPERT LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 12, 2020 · Amount on Record
Deed Sale	Aug 12, 2020 · Amount on Record
Prior Sale	Apr 15, 2020 · Amount on Record
Deed Document Number	2020575860
Deed Book / Page	7369 / 794
Prior Transfer Date	Apr 10, 2020
Prior Transfer Doc	0072700095
Record Updated	Oct 29, 2026

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1406 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	0067411220
Date	May 10, 2017
Book Page	6741/1220
Instrument	20170510000284960

Lender

Name	COMMERCE BANK
Type	Bank
Address	SAINT CHARLES, MO 63304

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Aug 12, 2020
Property Address	1406 GARNET DR, O FALLON, MO 63366-4794
Document Number	0073690794
Book / Page	7369 / 794
Map Reference	MB 40 PG 258
Instrument Date	Jul 30, 2020
Instrument	20200812000575860
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	TITLE PARTNERS AGENCY LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1406 GARNET DR, O FALLON, MO 63366-4794

Mortgage

Document Number	20200812000575870
Date	Aug 12, 2020
Instrument	20200812000575870

Lender

Name	CELEBRITY HOME LOANS LLC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2050

April 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CHARLES MO
Recording Date	Apr 15, 2020
Property Address	1406 GARNET DR, O FALLON, MO 63366-4794
Document Number	0072700095
Book / Page	007270 / 000095
Instrument Date	Apr 10, 2020
Instrument	231700
Transaction Type	Transfer
Record Updated	Jul 10, 2020
Title Company	OTHER

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1406 GARNET DR O FALLON MO 633664794, O FALLON, MO 63366-4794

Mortgage

Document Number	72700097
Date	Apr 15, 2020
Book Page	007270/000097
Instrument	231710

Lender

Name	HOME LOAN EXPERT LLC
Address	SAINT LOUIS, MO 63144

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Apr 14, 2035

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		$58,642 (-)	$308,641 (-) Building $308,641
2025		$58,642 (+7.06%)	$308,641 (+7.06%) Building $308,641
2024	$3,627.00
2023		$54,775
2022			$288,291 Building $288,291

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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

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 527 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Wisper ISP.

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