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

St. Charles County property record for 419 Heritage Commons Cir, O Fallon, MO 63368

Property Summary

Property Type	Condominium
Details	2 bd · 2.5 ba · 1,434 sqft · built 2001
Lot Size	0.05 acres (2,178 sqft)
Owner	Individual Name on File
Last Sale	$236,000 (Feb 2024)
Tax Bill	$2,516 (2025)
Deeds & Mortgages	Feb 2024 Mortgage Mar 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`T021700095`

Property Details

APN / Parcel Number

Primary APN	`T021700095`
Alternative APN	`2-113B-8817-00-0233.0000000`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,434 sqft Living Area
Gross Area	2,261 sqft
1st Floor Area	827 sqft
Basement Area	607 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	T021700095
Street Address	419 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 233
Legal Subdivision	HERITAGE COMMONS VLG
Legal Lot Number	233
Jurisdiction	ST CHARLES MO
Township / Civil Division	BOONE
Census Block Group	3
Census Block	3023
Census Tract	311153

Owner

419 Heritage Commons Cir, a condominium, is owned by an individual who bought it in February 2024.

Source: St. Charles County records, as of September 10, 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	Individual Name on File
Mailing Address	419 HERITAGE COMMONS CIR, 233, O FALLON, MO 63368-4142
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 8, 2024	Warranty Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO
Mar 15, 2022	Warranty Deed, Transfer · Conventional Mortgage FLAT BRANCH HOME LOANS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 8, 2024 · Amount on File
Deed Sale	Feb 8, 2024 · Amount on File
Prior Sale	Mar 15, 2022 · Amount on File
Deed Document Number	20245060
Record Updated	Oct 29, 2026

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Feb 8, 2024
Property Address	419 HERITAGE COMMONS CIR, O FALLON, MO 63368-4142
Document Number	0000005060
Map Reference	MB 38 PG 118&119
Instrument Date	Feb 7, 2024
Instrument	2024R-005060
Transaction Type	Transfer
Record Updated	Feb 22, 2024
Title Company	ATG

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4433 OLD HIGHWAY 100, WASHINGTON, MO 63090-3835

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	419 HERITAGE COMMONS CIR # 23, 23, O FALLON, MO 63368-4142

Mortgage

Document Number	0000005061
Date	Feb 8, 2024
Instrument	2024R-005061

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Mar 1, 2039

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Mar 15, 2022
Property Address	419 HERITAGE COMMONS CIR, O FALLON, MO 63368-4142
Document Number	0000015184
Map Reference	MB 38 PG 118&119
Instrument Date	Mar 11, 2022
Instrument	2022R-015184
Transaction Type	Transfer
Record Updated	Feb 22, 2024
Title Company	INVESTORS TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1165 HIGHWAY OO, PACIFIC, MO 63069-5913

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	419 HERITAGE COMMONS CIR, O FALLON, MO 63368-4142

Mortgage

Document Number	0000015185
Date	Mar 15, 2022
Instrument	2022R-015185

Lender

Name	FLAT BRANCH HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 419 Heritage Commons Cir was $2,516.

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		$40,051 (-)	$210,796 (-) Building $210,796
2025	$2,516.00	$40,051	$210,796
2023		$35,950
2022			$189,211 Building $189,211

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 419 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 419 Heritage Commons Cir is low, with a 0.02% 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	0.02% 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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