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

St. Charles County property record for 353 Heritage Commons Cir, O Fallon, MO 63368

Property Summary

Property Type	Condominium
Details	2 bd · 2 ba · 1,260 sqft · built 2001
Lot Size	0.05 acres (2,178 sqft)
Owner	Individual Name on Record
Last Sale	$220,000 (Jan 2024)
Tax Bill	$2,402 (2025)
Deeds & Mortgages	Jan 2024 Mortgage Nov 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T021700087`

Property Details

APN / Parcel Number

Primary APN	`T021700087`
Alternative APN	`2-113B-8817-00-0225.0000000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	1,260 sqft Living Area
Gross Area	2,000 sqft
1st Floor Area	740 sqft
Basement Area	520 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	T021700087
Street Address	353 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 225
Legal Subdivision	HERITAGE COMMONS VLG
Legal Lot Number	225
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	Individual Name on Record
Mailing Address	353 HERITAGE COMMONS CIR, 225, O FALLON, MO 63368-4141
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 3, 2024	Warranty Deed, Transfer · Conventional Mortgage STIFEL BANK & TRUST
Nov 10, 2021	Warranty Deed, Transfer · Conventional Mortgage LAND-HOME FINANCIAL SERVICES
May 22, 2018	Deed of Trust, Mortgage · Conventional Mortgage COMMERCE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 3, 2024 · Amount on Record
Deed Sale	Jan 3, 2024 · Amount on Record
Prior Sale	Nov 10, 2021 · Amount on Record
Deed Document Number	2024271
Record Updated	Oct 29, 2026

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jan 3, 2024
Property Address	353 HERITAGE COMMONS CIR, O FALLON, MO 63368-4141
Document Number	0000000271
Map Reference	MB 38 PG 118
Instrument Date	Dec 28, 2023
Instrument	2024R-000271
Transaction Type	Transfer
Record Updated	Jan 18, 2024
Title Company	TITLE PARTNERS AGENCY LLC

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	324 COUNTRY TRAIL DR, LAKE SAINT LOUIS, MO 63367-5816

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	353 HERITAGE COMMONS CIR # 225, 225, O FALLON, MO 63368-4141

Mortgage

Document Number	0000000272
Date	Jan 3, 2024
Instrument	2024R-000272

Lender

Name	STIFEL BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2054

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Nov 10, 2021
Property Address	353 HERITAGE COMMONS CIR, O FALLON, MO 63368-4141
Document Number	2021R092566
Map Reference	MB 38 PG 118
Instrument Date	Nov 5, 2021
Instrument	2021R-092566
Transaction Type	Transfer
Record Updated	Nov 23, 2021
Title Company	TITLE PARTNERS AGENCY LLC

Transaction

Tax	$0.00
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	605 PALISADES DRIVE, 605, ST CHARLES, ID 83301

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	353 HERITAGE COMMONS CIR # 225, 225, O FALLON, MO 63368-4141

Mortgage

Document Number	2021R092567
Date	Nov 10, 2021
Instrument	2021R-092567

Lender

Name	LAND-HOME FINANCIAL SERVICES
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	353 HERITAGE COMMONS CIR, O FALLON, MO 63368-4141
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0069220654
Date	May 22, 2018
Book Page	6922/0654
Instrument	20180522000281470

Lender

Name	COMMERCE BANK
Type	Bank
Address	KANSAS CITY, MO 64106

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 18, 2033

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		$38,214 (-)	$201,128 (-) Building $201,128
2025	$2,402.00 (+9.03%)	$38,214 (+12.46%)	$201,128 (+12.46%) Building $201,128
2024	$2,203.00
2023		$33,981
2022			$178,849 Building $178,849

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	0.02% annual chance
Exposure	Direct burnable vegetation

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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