40 Eliot Ct, O Fallon, MO 63366 Property Records

St. Charles County property record for 40 Eliot Ct, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 4,827 sqft · built 2003
Lot Size	0.38 acres (16,553 sqft)
Owner	2 Individual Names on Record
Last Sale	$441,497 (Jul 2004)
Tax Bill	$7,084 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Oct 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`T020300641`

Property Details

APN / Parcel Number

Primary APN	`T020300641`
Alternative APN	`2-0050-8879-00-0096.0000000`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	4,827 sqft Living Area
Gross Area	6,224 sqft
1st Floor Area	3,527 sqft
Basement Area	2,095 sqft
Finished Basement	1,300 sqft
Unfinished Basement	795 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Ranch
Exterior Material	Brick/Stone
Lot Area	16,553 sqft (0.38 acres)
Garage Type	Attached
Garage Area	602 sqft
Parking Spaces	3 Parking Spaces
Deck Area	Deck Area
Patio Area	515 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T020300641
Street Address	40 ELIOT CT
City	O FALLON
State	MO
Zip	63366-7433
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VLGS AT WALDEN POND #5 LOT 96
Legal Subdivision	VLGS AT WALDON POND #5
Legal Lot Number	96
Jurisdiction	ST CHARLES MO
Township / Civil Division	WENTZVILLE
Census Block Group	3
Census Block	3000
Census Tract	311802

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	40 ELIOT CT, O FALLON, MO 63366-7433
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 22, 2020	Deed of Trust, Mortgage · VA Mortgage GRANNY8 MTG
Oct 8, 2019	Deed of Trust, Mortgage · VA Mortgage ENDEAVOR CAP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 23, 2004 · Amount on Record
Deed Sale	Jul 23, 2004 · Amount on Record
Deed Document Number	2004711020
Deed Book / Page	3933 / 1018
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	40 ELIOT CT, O FALLON, MO 63366-7433
Document Number	0000102616
Instrument Date	Dec 22, 2020
Transaction Type	Mortgage
Record Updated	Mar 17, 2021
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	40 ELIOT CT O FALLON MO 633667433, O FALLON, MO 63366-7433

Mortgage

Document Number	0000102616
Date	Dec 29, 2020
Instrument	102616

Lender

Name	GRANNY8 MTG
Type	Mortgage Company
Address	CHESTERFIELD, MO 63017

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 28, 2050

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	40 ELIOT CT, O FALLON, MO 63366-7433
Document Number	0071650752
Instrument Date	Oct 8, 2019
Transaction Type	Mortgage
Record Updated	Nov 15, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	40 ELIOT CT O FALLON MO 633667433, O FALLON, MO 63366-7433

Mortgage

Document Number	0071650752
Date	Oct 18, 2019
Book Page	007165/000752
Instrument	588100

Lender

Name	ENDEAVOR CAP
Type	Funding / Finance Company
Address	CHESTERFIELD, MO 63017

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 17, 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		$110,781 (-)	$583,059 (-) Land $88,000 Building $495,059
2025	$7,084.00	$110,781 (+12.96%)	$583,059 (+12.96%) Land $88,000 Building $495,059
2023		$98,068
2022			$516,150 Land $60,500 Building $455,650

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 · 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 66% of the US · lower than 76% of Missouri
Wildfire Likelihood	0.05% 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	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.

Cell Coverage

5G and 4G LTE (outdoors only)

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