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

St. Charles County property record for 46 Homefield Commons Ct, O Fallon, MO 63366 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,751 sqft · built 2004
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on File
Last Sale	$205,330 (Oct 2004)
Tax Bill	$4,414 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit Apr 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T040300293`

Property Details

APN / Parcel Number

Primary APN	`T040300293`
Alternative APN	`2-0098-9300-0Z-0043.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,751 sqft Living Area
Gross Area	3,651 sqft
1st Floor Area	1,651 sqft
Basement Area	1,600 sqft
Finished Basement	1,100 sqft
Unfinished Basement	500 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Ranch
Exterior Material	Brick/Stone
Lot Area	10,019 sqft (0.23 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	95 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T040300293
Street Address	46 HOMEFIELD COMMONS CT
City	O FALLON
State	MO
Zip	63366-4659
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOMEFIELD PH3 #2 VLG Z LOT 43
Legal Subdivision	HOMEFIELD PH3 VLG Z #2
Legal Lot Number	43
Jurisdiction	ST CHARLES MO
Township / Civil Division	O'FALLON
Census Block Group	3
Census Block	3003
Census Tract	311604

Owner

Source: St. Charles County records · APN T040300293

Assessment roll updated August 7, 2026 · Last verified August 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 File
Mailing Address	46 HOMEFIELD COMMONS CT, O FALLON, MO 63366-4659
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 02, 2026	Deed of Trust, Mortgage · Line of Credit WEST COMMUNITY CREDIT UNION
Apr 04, 2017	Deed of Trust, Mortgage · Conventional Mortgage VINSON MORTGAGE SERVICES INC
May 01, 2020	Deed of Trust, Mortgage · Conventional Mortgage WEST COMMUNITY CU

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 18, 2004 · Amount on Record
Deed Sale	Oct 18, 2004 · Amount on Record
Prior Sale	Sep 27, 2004 · Amount on Record
Deed Document Number	2004999010
Deed Book / Page	4005 / 22
Last Transfer Date	Oct 10, 2024
Transfer Doc	0000042268
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Recording Date	Jun 02, 2026
Property Address	46 HOMEFIELD COMMONS CT, O FALLON, MO 63366-4659
Document Number	0000025865
Instrument Date	Apr 20, 2026
Instrument	202625865
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	INVEST TITLE, INVESTORS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	46 HOMEFIELD COMMONS CT, O FALLON, MO 63366-4659

Mortgage

Document Number	0000025865,
Date	Jun 02, 2026
Instrument	202625865

Lender

Name	WEST COMMUNITY CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	May 01, 2046

Interest

Rate	6.22%
Max Rate	-1%

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	46 HOMEFIELD COMMONS CT, O FALLON, MO 63366-4659
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0067221423
Date	Apr 04, 2017
Book Page	6722/1423
Instrument	20170404000201530

Lender

Name	VINSON MORTGAGE SERVICES INC
Type	Mortgage Company
Address	SAINT LOUIS, MO 63131

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	May 01, 2032

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	46 HOMEFIELD COMMONS CT, O FALLON, MO 63366-4659
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0072840627
Date	May 01, 2020
Book Page	7284/627
Instrument	20200501000276740

Lender

Name	WEST COMMUNITY CU
Type	Credit Union
Address	O FALLON, MO 63368

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 01, 2035

Tax Assessment & Valuation

Source: St. Charles County records · Assessment roll updated August 7, 2026 · Last verified August 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

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$68,781 (-)	$362,007 (-) Land $77,000 Building $285,007
2025	$4,414.00	$68,781 (+10.62%)	$362,007 (+10.62%) Land $77,000 Building $285,007
2023		$62,179
2022			$327,258 Land $55,000 Building $272,258

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 Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	1 in force

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None 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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 420 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Gateway Fiber Holdings	Fiber	2,000 / 2,000
Spectrum	Cable	1,000 / 1,000
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Wisper ISP, Verizon, T-Mobile USA, Socket Telecom. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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