23 Eliot Ct, O Fallon, MO 63366 Property Records

St. Charles County property record for 23 Eliot Ct, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,120 sqft · built 2004
Lot Size	0.32 acres (13,939 sqft)
Owner	2 Individual Names on File
Last Sale	$258,646 (Jul 2004)
Tax Bill	$5,321 (2025)
Deeds & Mortgages	Aug 2023 Second Mortgage Aug 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`T020300645`

Property Details

APN / Parcel Number

Primary APN	`T020300645`
Alternative APN	`2-0050-8879-00-0100.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,120 sqft Living Area
Gross Area	4,824 sqft
1st Floor Area	2,120 sqft
Basement Area	2,104 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Ranch
Exterior Material	Brick/Stone
Lot Area	13,939 sqft (0.32 acres)
Garage Type	Attached
Garage Area	600 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	80 sqft
Deck Area	Deck Area
Patio Area	564 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T020300645
Street Address	23 ELIOT CT
City	O FALLON
State	MO
Zip	63366-7431
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VLGS AT WALDEN POND #5 LOT 100
Legal Subdivision	VLGS AT WALDON POND #5
Legal Lot Number	100
Jurisdiction	ST CHARLES MO
Township / Civil Division	WENTZVILLE
Census Block Group	3
Census Block	3000
Census Tract	311802

Owner

23 Eliot Ct is owned and occupied by two individuals who bought it in July 2004.

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

Owner of Record	2 Individual Names on File
Mailing Address	23 ELIOT CT, O FALLON, MO 63366-7431
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
Aug 7, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC
Aug 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Aug 31, 2020	Deed of Trust, Mortgage QUICKEN LNS
Aug 5, 2017	Deed of Trust, Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 29, 2004 · Amount on File
Deed Sale	Jul 29, 2004 · Amount on File
Deed Document Number	2004735580
Deed Book / Page	3938 / 2190
Record Updated	Oct 29, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	23 ELIOT CT, O FALLON, MO 63366-7431
Transaction Type	Mortgage
Record Updated	Aug 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23 ELIOT CT, O FALLON, MO 63366-7431

Mortgage

Document Number	0000031415
Date	Aug 7, 2023
Instrument	2023R-031415

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	240 Months
Due	Aug 1, 2043

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	23 ELIOT CT, O FALLON, MO 63366-7431
Transaction Type	Mortgage
Record Updated	Aug 23, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	23 ELIOT CT, O FALLON, MO 63366-7431

Mortgage

Document Number	2021R065581
Date	Aug 5, 2021
Instrument	2021R-065581

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2051

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	23 ELIOT CT, O FALLON, MO 63366-7431
Document Number	0000066794
Instrument Date	Aug 31, 2020
Transaction Type	Mortgage
Record Updated	Oct 28, 2020
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	23 ELIOT CT O FALLON MO 633667431, O FALLON, MO 63366-7431

Mortgage

Document Number	0000066794
Date	Sep 11, 2020
Instrument	66794

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Amount	Amount on Record
Term	360 Months
Due	Sep 10, 2050

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	23 ELIOT CT, O FALLON, MO 63366-7431
Document Number	0067901450
Book / Page	006790 / 001450
Instrument Date	Aug 5, 2017
Transaction Type	Mortgage
Record Updated	Aug 22, 2017
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	23 ELIOT CT O FALLON MO 633667431, O FALLON, MO 63366-7431

Mortgage

Document Number	0067901450
Date	Aug 14, 2017
Book Page	006790/001450
Instrument	506540

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Amount	Amount on Record
Term	180 Months
Due	Aug 13, 2032

Tax Assessment & Valuation

The 2025 property tax bill for 23 Eliot Ct was $5,321.

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		$83,053 (-)	$437,120 (-) Land $80,000 Building $357,120
2025	$5,321.00	$83,053	$437,120 Land $80,000 Building $357,120
2023		$76,217
2022			$401,143 Land $55,000 Building $346,143

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 23 Eliot Ct 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	1 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 23 Eliot Ct 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 96% of the US · lower than 94% 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 224 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Wisper ISP.

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