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

St. Charles County property record for 345 Heritage Commons Cir, O Fallon, MO 63368

Property Summary

Property Type	Condominium
Details	2 bd · 4 ba · 1,214 sqft · built 2001
Lot Size	0.05 acres (2,178 sqft)
Owner	2 Individual Names on Record
Last Sale	$252,000 (Apr 2024)
Tax Bill	$2,479 (2025)
Deeds & Mortgages	Apr 2024 Sale Jul 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T021700084`

Property Details

APN / Parcel Number

Primary APN	`T021700084`
Alternative APN	`2-113B-8817-00-0222.0000000`

Interior

Bedrooms	2 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	1,790 sqft Living Area
Gross Area	2,041 sqft
1st Floor Area	607 sqft
Basement Area	607 sqft
Finished Basement	576 sqft
Unfinished Basement	31 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	Open Porch
Porch Area	15 sqft
Patio Area	90 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T021700084
Street Address	345 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 222
Legal Subdivision	HERITAGE COMMONS VLG
Legal Lot Number	222
Jurisdiction	ST CHARLES MO
Township / Civil Division	BOONE
Census Block Group	3
Census Block	3023
Census Tract	311153

Owner

Source: St. Charles County records, as of September 10, 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	243 CHEVAL SQUARE DR, CHESTERFIELD, MO 63005-1639
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 5, 2024	Deed, Transfer TOUCHSTONE TITLE AND ABSTRACT, TOUCHSTONE TITLE & ABSTRACT
Jul 1, 2019	Warranty Deed, Transfer · Conventional Mortgage GERSHMAN INVESTMENT CORP
Dec 19, 2017	Warranty Deed, Transfer · Conventional Mortgage MIDLAND STATES BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 5, 2024 · Amount on Record
Deed Sale	Apr 5, 2024 · Amount on Record
Prior Sale	Jul 1, 2019 · Amount on Record
Deed Document Number	202412828
Record Updated	Oct 29, 2026

April 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	ST CHARLES MO
Recording Date	Apr 5, 2024
Property Address	345 HERITAGE COMMONS CIR, O FALLON, MO 63368-4141
Document Number	0000012828
Map Reference	MB 38 PG 118
Instrument Date	Mar 29, 2024
Instrument	2024R-012828
Transaction Type	Transfer
Record Updated	Apr 22, 2024
Title Company	TOUCHSTONE TITLE AND ABSTRACT, TOUCHSTONE TITLE & ABSTRACT

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	202 E WASHINGTON ST, BLOOMINGTON, IL 61701-4039

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	243 CHEVAL SQUARE DR, CHESTERFIELD, MO 63005-1639

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jul 1, 2019
Property Address	345 HERITAGE COMMONS CIR, O FALLON, MO 63368-4141
Document Number	0070980775
Book / Page	7098 / 0775
Map Reference	MB 38 PG 118
Instrument Date	Jun 27, 2019
Instrument	20190701000328410
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	INVESTORS TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	22 BAYHILL VILLAGE CT, 22, O FALLON, MO 63368-4276

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	345 HERITAGE COMMONS CIR, O FALLON, MO 63368-4141

Mortgage

Document Number	20190701000328430
Date	Jul 1, 2019
Instrument	20190701000328430

Lender

Name	GERSHMAN INVESTMENT CORP
Type	Mortgage Company

Agreement

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

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Dec 19, 2017
Property Address	345 HERITAGE COMMONS CIR, O FALLON, MO 63368-4141
Document Number	0068541862
Book / Page	6854 / 1862
Map Reference	MB 38 PG 118
Instrument Date	Dec 11, 2017
Instrument	20171219000780180
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	US TITLE CORPORATION AND AGE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	345 HERITAGE COMMONS CIR, 345, O FALLON, MO 63368-4141

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	345 HERITAGE COMMONS CIR, O FALLON, MO 63368-4141

Mortgage

Document Number	20171219000780190
Date	Dec 19, 2017
Instrument	20171219000780190

Lender

Name	MIDLAND STATES BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2048

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	Wentzville R-IV School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$39,459 (-)	$207,679 (-) Building $207,679
2025	$2,479.00	$39,459 (+13.78%)	$207,679 (+13.78%)
2023		$34,681
2022			$182,530 Building $182,530

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 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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