305 Heritage Commons Cir, O Fallon, MO 63368 Property Records

St. Charles County property record for 305 Heritage Commons Cir, O Fallon, MO 63368

Property Summary

Property Type	Condominium
Details	2 bd · 1.5 ba · 1,534 sqft · built 2001
Lot Size	0.05 acres (2,178 sqft)
Owner	Individual Name on File
Last Sale	$129,000 (Jun 2017)
Tax Bill	$2,023 (2025)
Deeds & Mortgages	Nov 2021 Mortgage May 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`T021700068`

Property Details

APN / Parcel Number

Primary APN	`T021700068`
Alternative APN	`2-113B-8817-00-0206.0000000`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	1,534 sqft Living Area
Gross Area	1,780 sqft
1st Floor Area	520 sqft
Basement Area	520 sqft
Finished Basement	494 sqft
Unfinished Basement	26 sqft

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Bi-Level
Exterior Material	Brick/Stone
Lot Area	2,178 sqft (0.05 acres)
Garage Type	Attached
Garage Area	220 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Patio Area	90 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T021700068
Street Address	305 HERITAGE COMMONS CIR
City	O FALLON
State	MO
Zip	63368-4141
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	HERITAGE COMMONS VLG UNIT 206
Legal Subdivision	HERITAGE COMMONS VLG
Legal Lot Number	206
Jurisdiction	ST CHARLES MO
Township / Civil Division	BOONE
Census Block Group	3
Census Block	3023
Census Tract	311153

Owner

305 Heritage Commons Cir, a condominium, is owned by an individual who bought it in June 2017.

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

Owner of Record	Individual Name on File
Mailing Address	305 HERITAGE COMMONS CIR, 206, O FALLON, MO 63368-4141
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
Nov 23, 2021	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
May 6, 2020	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
May 6, 2020	Loan Modification, Mortgage SHELLPOINT MTG SVCNG
Jun 21, 2017	Warranty Deed, Transfer · FHA Mortgage CORNERSTONE MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 21, 2017 · Amount on File
Deed Sale	Jun 21, 2017 · Amount on File
Prior Sale	May 5, 2005 · Amount on File
Deed Document Number	2017380750
Deed Book / Page	6763 / 18
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	305 HERITAGE COMMONS CIR, O FALLON, MO 63368-4141
Transaction Type	Mortgage
Record Updated	Dec 3, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	305 HERITAGE COMMONS CIR, O FALLON, MO 63368-4141

Mortgage

Document Number	2021R095754
Date	Nov 23, 2021
Instrument	2021R-095754

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	342 Months
Due	May 1, 2050

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	305 HERITAGE COMMONS CIR, O FALLON, MO 63368-4141
Document Number	0073422281
Instrument Date	May 6, 2020
Transaction Type	Mortgage
Record Updated	Sep 2, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	305 HERITAGE COMMONS CIR O FALLON MO 633684141, O FALLON, MO 63368-4141

Mortgage

Document Number	0073422281
Date	Jul 13, 2020
Book Page	007342/002281
Instrument	483160

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 12, 2050

May 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST CHARLES MO
Property Address	305 HERITAGE COMMONS CIR, O FALLON, MO 63368-4141
Document Number	0073422286
Instrument Date	May 6, 2020
Transaction Type	Mortgage
Record Updated	Aug 28, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	305 HERITAGE COMMONS CIR O FALLON MO 633684141, O FALLON, MO 63368-4141

Mortgage

Document Number	0073422286
Date	Jul 13, 2020
Book Page	007342/002286
Instrument	483170

Lender

Name	SHELLPOINT MTG SVCNG
Address	GREENVILLE, SC 29601

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jul 12, 2050

Interest

Rate	4%

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jun 21, 2017
Property Address	305 HERITAGE COMMONS CIR, O FALLON, MO 63368-4141
Document Number	0067630018
Book / Page	6763 / 0018
Map Reference	MB 38 PG 118&119
Instrument Date	Jun 15, 2017
Instrument	20170621000380750
Transaction Type	Transfer
Record Updated	Aug 9, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	18413 STAR GAZER WAY, 18413, PFLUGERVILLE, TX 78660-4945

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	305 HERITAGE COMMONS CIR, O FALLON, MO 63368-4141

Mortgage

Document Number	20170621000380760
Date	Jun 21, 2017
Instrument	20170621000380760

Lender

Name	CORNERSTONE MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 305 Heritage Commons Cir was $2,023.

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	Wentzville R-IV School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$32,074 (-)	$168,811 (-) Building $168,811
2025	$2,023.00	$32,074	$168,811
2023		$31,157
2022			$163,984 Building $163,984

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 305 Heritage Commons Cir in Zone X, an area of minimal flood risk.

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

Wildfire risk around 305 Heritage Commons Cir 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	ST CHARLES COUNTY PWSD 2 serves 100,587 people · EPA ID MO6024530
Water Source	Purchased surface water from ST LOUIS CITY PWS
Last State Inspection	Aug 2023
Lead	2 ppb (2026) 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 392 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
i3 Broadband Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Brightspeed, Gateway Fiber.

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