St. Charles County property record for 405 Heritage Commons Cir, O Fallon, MO 63368
| Property Type | Condominium |
|---|---|
| Details | 2 bd · 2 ba · 1,214 sqft · built 2001 |
| Lot Size | 0.05 acres (2,178 sqft) |
| Owner | Owner Name on Record |
| Last Sale | $116,000 (Apr 2002) |
| Tax Bill | $2,328 (2025) |
| Deeds & Mortgages | Jan 2022 Mortgage Aug 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | T021700091 |
| Primary APN | T021700091 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 4 Rooms |
| Stories | 2 Stories |
| Building Area | 1,214 sqft Living Area |
| 1st Floor Area | 607 sqft |
| Basement Area | 607 sqft |
| Year Built | Built 2001 |
|---|---|
| Architectural Style | Traditional |
| Exterior Material | Brick/Stone |
| Lot Area | 2,178 sqft (0.05 acres) |
| Garage Type | Attached |
| Parking Spaces | 1 Parking Space |
| Patio Area | 90 sqft |
| Account Number | T021700091 |
|---|---|
| Old Parcel Number | T021700091 |
| Street Address | 405 HERITAGE COMMONS CIR |
| City | O FALLON |
| State | MO |
| Zip | 63368-4142 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Legal Description | HERITAGE COMMONS VLG UNIT 229 |
| Legal Range | 02E |
| Legal Township | 46N |
| Legal Subdivision | HERITAGE COMMONS VLG |
| Legal Lot Number | 229 |
| Legal Unit | 229 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | BOONE |
| Census Block Group | 3 |
| Census Block | 3023 |
| Census Tract | 311153 |
Source: St. Charles County records, as of March 16, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Owner Name on Record |
|---|---|
| Mailing Address | 405 HERITAGE COMMONS CIR, O FALLON, MO 63368-4142 |
| Occupancy | Owner Occupied |
| Date | Document |
|---|---|
| Jan 27, 2022 | Deed of Trust, Mortgage · Conventional Mortgage CORNERSTONE FIRST MORTGAGE INC |
| Aug 30, 2019 | Deed of Trust, Mortgage · Conventional Mortgage CSTONE MORTGAGE INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 4, 2002 · Amount on Record |
| Deed Sale | Apr 4, 2002 · Amount on Record |
| Deed Document Number | 0002855254 |
| Deed Book / Page | 2855 / 254 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 405 HERITAGE COMMONS CIR, O FALLON, MO 63368-4142 |
| Transaction Type | Mortgage |
| Record Updated | Feb 9, 2022 |
| Name | Verified Name |
|---|---|
| Address | 405 HERITAGE COMMONS CIR, O FALLON, MO 63368-4142 |
| Document Number | 0000005414 |
|---|---|
| Date | Jan 27, 2022 |
| Instrument | 2022R-005414 |
| Name | CORNERSTONE FIRST MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92108 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Feb 1, 2037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 405 HERITAGE COMMONS CIR, O FALLON, MO 63368-4142 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0071331514 |
|---|---|
| Date | Aug 30, 2019 |
| Book Page | 7133/1514 |
| Instrument | 20190830000466480 |
| Name | CSTONE MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92108 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Sep 1, 2034 |
Source: St. Charles County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | O'Fallon City |
| Unified School District | Wentzville R-IV School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,328.00 | $37,020 (+12.34%) | $194,844 (+12.34%) |
| 2023 | $32,954 | ||
| 2022 | $173,440 Building $173,440 |
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.
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.
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.
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 |
| 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.
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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