1408 Garnet Dr, O Fallon, MO 63366 Property Records

St. Charles County property record for 1408 Garnet Dr, O Fallon, MO 63366

Property Summary

Property Type	Row House
Details	2 bd · 3 ba · 1,430 sqft · built 2011
Lot Size	0.119 acres (5,227 sqft)
Owner	Individual Name on Record
Last Sale	$250,000 (Oct 2021)
Deeds & Mortgages	Oct 2021 Mortgage May 2019 Sale
Flood Zone	Zone X (minimal risk)
APN	`T040300880`

Property Details

APN / Parcel Number

Primary APN	`T040300880`
Alternative APN	`2-0140-9449-00-020B.0000000`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,430 sqft Living Area
Basement Area	1,412 sqft
Finished Basement	847 sqft

Exterior

Year Built	Built 2011
Architectural Style	Condo/Apartment
Exterior Material	Brick Veneer
Lot Area	5,227 sqft (0.119 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Account Number	T040300880
Old Parcel Number	T040300880
Street Address	1408 GARNET DR
City	O FALLON
State	MO
Zip	63366-4794
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Row House
Legal Description	VILLAS AT CRYSTAL RIDGE #2 LOT 20B
Legal Range	03E
Legal Township	47N
Legal Subdivision	VILLAS AT CRYSTAL RIDGE #2
Legal Lot Number	20B
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 October 19, 2023

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
Co-owner	Co-owner on Record
Mailing Address	1408 GARNET DR, O FALLON, MO 63366-4794
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 22, 2021	Warranty Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO
May 15, 2019	Warranty Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 22, 2021 · Amount on Record
Deed Sale	Oct 22, 2021 · Amount on Record
Prior Sale	May 15, 2019
Deed Document Number	0202187577
Deed Book / Page	2021 / 87577
Record Updated	Jun 7, 2026

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Oct 22, 2021
Property Address	1408 GARNET DR, O FALLON, MO 63366-4794
Document Number	2021R087577
Map Reference	MB 40 PG 258
Instrument Date	Oct 14, 2021
Instrument	2021R-087577
Transaction Type	Transfer
Record Updated	Nov 3, 2021
Title Company	INVESTORS TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1617 HORNSBY AVE, 1617, SAINT LOUIS, MO 63147-1409

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1408 GARNET DR, O FALLON, MO 63366-4794

Mortgage

Document Number	2021R087578
Date	Oct 22, 2021
Instrument	2021R-087578

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	May 15, 2019
Property Address	1408 GARNET DR, O FALLON, MO 63366-4794
Document Number	0070741071
Book / Page	007074 / 001071
Instrument Date	Aug 8, 2018
Instrument	231360
Transaction Type	Transfer
Record Updated	May 31, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1617 HORNSBY AVE ST LOUIS MO 631471409, ST LOUIS, MO 63147-1409

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of July 1, 2023

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
2023	$54,262
2022		$285,588 Building $285,588

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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