16 Moonstone Ct, O Fallon, MO 63366 Property Records

St. Charles County property record for 16 Moonstone Ct, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,389 sqft · built 1997
Lot Size	0.28 acres (12,197 sqft)
Owner	2 Individual Names on Record
Last Sale	$247,000 (Nov 2019)
Tax Bill	$4,176 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Nov 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`A982001474`

Property Details

APN / Parcel Number

Primary APN	`A982001474`
Alternative APN	`2-0051-7855-00-0129.0000000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,389 sqft Living Area
Gross Area	3,598 sqft
1st Floor Area	1,114 sqft
Basement Area	1,042 sqft
Finished Basement	273 sqft
Unfinished Basement	769 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Lot Area	12,197 sqft (0.28 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	88 sqft
Patio Area	384 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	A982001474
Street Address	16 MOONSTONE CT
City	O FALLON
State	MO
Zip	63366-1891
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AE9
Legal Description	DIAMOND POINTE #1 LOT 129
Legal Subdivision	DIAMOND PT #1
Legal Lot Number	129
Jurisdiction	ST CHARLES MO
Township / Civil Division	O'FALLON
Census Block Group	4
Census Block	4003
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	2 Individual Names on Record
Mailing Address	16 MOONSTONE CT, O FALLON, MO 63366-1891
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 26, 2020	Deed of Trust, Mortgage · Conventional Mortgage LAND-HOME FINANCIAL SERVICES
Nov 1, 2019	Warranty Deed, Transfer · Conventional Mortgage LAND-HOME FINANCIAL SERVICES

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 1, 2019 · Amount on Record
Deed Sale	Nov 1, 2019 · Amount on Record
Prior Sale	Jan 9, 2001 · Amount on Record
Deed Document Number	2019621870
Deed Book / Page	7174 / 1117
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	16 MOONSTONE CT, O FALLON, MO 63366-1891
Transaction Type	Mortgage
Record Updated	Oct 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000081510
Date	Oct 26, 2020
Instrument	2020R-081510

Lender

Name	LAND-HOME FINANCIAL SERVICES
Type	Mortgage Company
Address	CONCORD, CA 94520

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Nov 1, 2019
Property Address	16 MOONSTONE CT, O FALLON, MO 63366-1891
Document Number	0000621870
Book / Page	7174 / 1117
Map Reference	MB 34 PG 290
Instrument Date	Oct 30, 2019
Instrument	20191101000621870
Transaction Type	Transfer
Record Updated	Oct 4, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	800 CLEARY AVE, 800, METAIRIE, LA 70001-4931

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16 MOONSTONE CT, O FALLON, MO 63366-1891

Mortgage

Document Number	0000621880
Date	Nov 1, 2019
Instrument	20191101000621880

Lender

Name	LAND-HOME FINANCIAL SERVICES
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2049

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		$65,033 (-)	$342,282 (-) Land $60,000 Building $282,282
2025	$4,176.00	$65,033 (+10.79%)	$342,282 (+10.79%) Land $60,000 Building $282,282
2023		$58,700
2022			$308,946 Land $50,000 Building $258,946

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 99.1% of the US · lower than 98.2% of Missouri
Wildfire Likelihood	Under 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 280 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Gateway Fiber Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	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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