45 Hornbean Ct, O Fallon, MO 63368 Property Records

St. Charles County property record for 45 Hornbean Ct, O Fallon, MO 63368

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,644 sqft · built 2000
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on Record
Last Sale	$270,000 (Oct 2015)
Tax Bill	$5,613 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Apr 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`A982000502`

Property Details

APN / Parcel Number

Primary APN	`A982000502`
Alternative APN	`2-0066-7789-00-0065.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,644 sqft Living Area
Gross Area	4,413 sqft
1st Floor Area	1,433 sqft
Basement Area	1,353 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Bi-Level
Exterior Material	Brick/Stone
Lot Area	8,712 sqft (0.2 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	416 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	162 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	A982000502
Street Address	45 HORNBEAN CT
City	O FALLON
State	MO
Zip	63368-6640
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VLGS AT HUTCHINGS FARM #1 LOT 65
Legal Subdivision	VLGS AT HUTCHINGS FARM #1
Legal Lot Number	65
Jurisdiction	ST CHARLES MO
Township / Civil Division	DARDENNE
Census Block Group	2
Census Block	2012
Census Tract	311735

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	45 HORNBEAN CT, O FALLON, MO 63368-6640
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage BROKER SOLUTIONS INC
Apr 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage BROKER SOLUTIONS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 5, 2015 · Amount on Record
Deed Sale	Oct 5, 2015 · Amount on Record
Prior Sale	Sep 17, 2009 · Amount on Record
Deed Document Number	2015659390
Deed Book / Page	6430 / 1771
Prior Transfer Date	Sep 9, 2009
Prior Transfer Doc	0052652017
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	45 HORNBEAN CT, O FALLON, MO 63368-6640
Transaction Type	Mortgage
Record Updated	Sep 29, 2021
Title Company	FREEDOM TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 HORNBEAN CT, O FALLON, MO 63368-6640

Mortgage

Document Number	2021R074720
Date	Sep 7, 2021
Instrument	2021R-074720

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company
Address	TUSTIN, CA 92780

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2051

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	45 HORNBEAN CT, O FALLON, MO 63368-6640
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0072801794
Date	Apr 28, 2020
Book Page	7280/1794
Instrument	20200428000266130

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company
Address	TUSTIN, CA 92780

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	301 Months
Due	May 1, 2045

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		$87,640 (-)	$461,263 (-) Land $75,000 Building $386,263
2025	$5,613.00 (+7.51%)	$87,640 (+10.74%)	$461,263 (+10.74%) Land $75,000 Building $386,263
2024	$5,221.00
2023		$79,143
2022			$416,544 Land $55,000 Building $361,544

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
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (2020)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2020 · rainfall accumulation

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 98% of the US · lower than 96% of Missouri
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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 520 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

May also be available: AT&T.

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