1413 Garnet Dr, O Fallon, MO 63366 Property Records

St. Charles County property record for 1413 Garnet Dr, O Fallon, MO 63366

Property Summary

Property Type	Condominium
Details	2 bd · 2 ba · 1,686 sqft · built 2010
Lot Size	0.12 acres (5,227 sqft)
Owner	2 Individual Names on File
Last Sale	$233,000 (Nov 2022)
Tax Bill	$2,162 (2022)
Deeds & Mortgages	Sep 2021 Mortgage Nov 2022 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`T040300854`

Property Details

APN / Parcel Number

Primary APN	`T040300854`
Alternative APN	`2-0140-9449-00-004B.0000000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,686 sqft Living Area
Gross Area	2,432 sqft
1st Floor Area	1,026 sqft
Basement Area	1,026 sqft
Finished Basement	660 sqft
Unfinished Basement	366 sqft

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Architectural Style	Spanish
Exterior Material	Brick/Stone
Lot Area	5,227 sqft (0.12 acres)
Garage Type	Attached
Garage Area	380 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	30 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T040300854
Street Address	1413 GARNET DR
City	O FALLON
State	MO
Zip	63366-4793
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	VILLAS AT CRYSTAL RIDGE #2 LOT 4B
Legal Subdivision	VILLAS AT CRYSTAL RIDGE #2
Legal Lot Number	4B
Jurisdiction	ST CHARLES MO
Township / Civil Division	O'FALLON
Census Block Group	5
Census Block	5004
Census Tract	311602

Owner

1413 Garnet Dr, a condominium, is owned and occupied by two individuals who bought it in November 2022.

Source: St. Charles County records, as of September 10, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1413 GARNET DR, O FALLON, MO 63366-4793
Occupancy	Owner Occupied
Owner Type	Individual

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
Sep 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage GENEVA FINANCIAL LLC
Nov 3, 2022	Warranty Deed, Transfer INVESTORS TITLE COMPANY
Mar 31, 2021	Affidavit of Death of Joint Tenant, Transfer SELECT TITLE GROUP
Mar 31, 2021	Warranty Deed, Transfer SELECT TITLE GROUP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 3, 2022 · Amount on File
Deed Sale	Nov 3, 2022 · Amount on File
Prior Sale	Mar 31, 2021 · Amount on File
Deed Document Number	202260016
Prior Transfer Date	Mar 26, 2021
Prior Transfer Doc	0000028250
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	1413 GARNET DR, O FALLON, MO 63366-4793
Transaction Type	Mortgage
Record Updated	Jan 17, 2024
Title Company	ATG

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1413 GARNET DR, O FALLON, MO 63366-4793

Mortgage

Document Number	0000075341
Date	Sep 9, 2021
Instrument	2021R-075341

Lender

Name	GENEVA FINANCIAL LLC
Type	Mortgage Company
Address	CHANDLER, AZ 85248

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Nov 3, 2022
Property Address	1413 GARNET DR, O FALLON, MO 63366-4793
Document Number	0000060016
Map Reference	MB 40 PG 258-260
Instrument Date	Oct 28, 2022
Instrument	2022R-060016
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	INVESTORS TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	21 SUNRISE VILLA CT APT 3, 3, TROY, MO 63379-1318

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1413 GARNET DR, O FALLON, MO 63366-4793
Investor	Possibly a Property Investor

March 2021: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	ST CHARLES MO
Recording Date	Mar 31, 2021
Property Address	1413 GARNET DR, O FALLON, MO 63366-4793
Document Number	0000028250
Map Reference	MB 40 PG 258
Instrument Date	Mar 26, 2021
Instrument	2021R-028250
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	SELECT TITLE GROUP

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Mar 31, 2021
Property Address	1413 GARNET DR, O FALLON, MO 63366-4793
Document Number	0000028252
Map Reference	MB 40 PG 258
Instrument Date	Mar 26, 2021
Instrument	2021R-028252
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	SELECT TITLE GROUP

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1413 GARNET DR, O FALLON, MO 63366-4793

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1413 GARNET DR, O FALLON, MO 63366-4793

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		$42,599	$224,207 Building $224,207
2023		$36,688 (+21.65%)
2022	$2,162.00	$30,159	$193,097 (+21.65%) Building $193,097
2021			$158,730

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 1413 Garnet Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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

Wildfire risk around 1413 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 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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