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45 Homefield Commons Ct, O Fallon, MO 63366 Property Records

St. Charles County property record for 45 Homefield Commons Ct, O Fallon, MO 63366 · Last verified April 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 3.5 ba · 2,880 sqft · built 2004
Lot Size0.28 acres (12,197 sqft)
Owner2 Individual Names on File
Last Sale$430,244 (May 2023)
Tax Bill$4,666 (2025)
Deeds & MortgagesMay 2023 Mortgage
Jan 2021 Mortgage
Flood ZoneZone X (minimal risk)
APNT040300294

Property Details

APN / Parcel Number

Primary APNT040300294
Alternative APN
  • 2-0098-9300-0Z-0044.0000000

Interior

Bedrooms3 Beds
Full Baths3.5 Baths
Half Baths1 Half Bath
Total Rooms7 Rooms
Stories2 Stories
Building Area2,880 sqft Living Area
Gross Area3,878 sqft
1st Floor Area1,102 sqft
Basement Area1,078 sqft
Finished Basement700 sqft
Unfinished Basement378 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2004
Effective Year BuiltEffective 2004
Architectural StyleBi-Level
Exterior MaterialBrick/Stone
Lot Area12,197 sqft (0.28 acres)
Garage TypeAttached
Garage Area620 sqft
Parking Spaces3 Parking Spaces

Exterior Amenities

PorchOpen Porch
Porch Area109 sqft
Deck AreaDeck Area
Patio Area252 sqft

Utilities, Heating & Cooling

Heating FuelGas
SewerConnected

Location & Zoning

Account NumberT040300294
Street Address45 HOMEFIELD COMMONS CT
CityO FALLON
StateMO
Zip63366-4659
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionHOMEFIELD PH3 #2 VLG Z LOT 44
Legal SubdivisionHOMEFIELD PH3 VLG Z #2
Legal Lot Number44
JurisdictionST CHARLES MO
Township / Civil DivisionO'FALLON
Census Block Group3
Census Block3003
Census Tract311604

Owner

Source: St. Charles County records · APN T040300294

Assessment roll updated August 13, 2025 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address45 HOMEFIELD COMMONS CT, O FALLON, MO 63366-4659
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
May 01, 2023Warranty Deed, Transfer · VA Mortgage
LEADER ONE FINANCIAL CORP
Jan 12, 2021Deed of Trust, Mortgage
FREEDOM MTG

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleMay 01, 2023 · Amount on Record
Deed SaleMay 01, 2023 · Amount on Record
Prior SaleAug 17, 2017 · Amount on Record
Deed Document Number202316357
Prior Transfer DateAug 11, 2017
Prior Transfer Doc0067930854
Record UpdatedJun 08, 2026

May 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionST CHARLES MO
Recording DateMay 01, 2023
Property Address45 HOMEFIELD COMMONS CT, O FALLON, MO 63366-4659
Document Number0000016357
Map ReferenceMB 40 PG 14
Instrument DateMay 01, 2023
Instrument2023R-016357
Transaction TypeTransfer
Record UpdatedJan 17, 2024
Title CompanyTITLE PARTNERS AGENCY LLC

Transaction

Tax$0.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2 SAG HARBOR CT, SAINT CHARLES, MO 63303-8300

Transferred To (Grantee/Buyer)

NameVerified Name
Address45 HOMEFIELD COMMONS CT, O FALLON, MO 63366-4659

Mortgage

Document Number0000016358
DateMay 01, 2023
Instrument2023R-016358
Lender
NameLEADER ONE FINANCIAL CORP
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueJun 01, 2053

January 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST CHARLES MO
Property Address45 HOMEFIELD COMMONS CT, O FALLON, MO 63366-4659
Document Number0000006311
Instrument DateJan 12, 2021
Transaction TypeMortgage
Record UpdatedMar 31, 2021
Title CompanyINSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC

Transferred To (Grantee/Buyer)

NameVerified Name
Address45 HOMEFIELD MANORS CT O FALLON MO 63366, O FALLON, MO 63366

Mortgage

Document Number0000006311
DateJan 22, 2021
Instrument6311
Lender
NameFREEDOM MTG
TypeMortgage Company
AddressFLINT, NJ 08054
Agreement
AmountAmount Recorded
Term240 Months
DueJan 21, 2041

Tax Assessment & Valuation

Source: St. Charles County records · Assessment roll updated August 13, 2025 · Last verified April 2026

Property Jurisdictions

TypeName
StateMissouri
CountySt. Charles County
MunicipalityO'Fallon City
Unified School DistrictFort Zumwalt R-II School District (PK - 12)

Tax Bill & Assessment History

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.

YearTax BillAssessed ValueAssessed Market Value
2025$4,666.00 (+7.71%)$72,745 (+10.96%)$382,868 (+10.96%) Land $77,000 Building $305,868
2024$4,332.00
2023$65,560
2022$345,052 Land $55,000 Building $290,052

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Charles County (29183C), updated August 25, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 291833116043, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 1 individual NFIP policies nearby
Community Rating SystemClass 9 (5% premium discount)
Nearby Flood Policies1 in force
1 of 1 on primary residences

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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.

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