102 Lorene Dr, O Fallon, MO 63366 Property Records

St. Charles County property record for 102 Lorene Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,890 sqft · built 1958
Lot Size	1.6 acres (70,000 sqft)
Owner	Individual Name on File
Last Sale	$127,000 (Apr 2019)
Tax Bill	$3,775 (2025)
Deeds & Mortgages	Apr 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`317640A000`

Property Details

APN / Parcel Number

Primary APN	`317640A000`
Alternative APN	`2-0043-4329-00-0003.0000000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,890 sqft Living Area
Gross Area	2,520 sqft
1st Floor Area	1,260 sqft
Basement Area	1,260 sqft
Finished Basement	630 sqft
Unfinished Basement	630 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Architectural Style	Ranch
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	70,000 sqft
Lot Dimensions	250 ft deep x 280 ft wide
Porch	Porch
Porch Area	314 sqft
Patio Area	494 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	317640A000
Street Address	102 LORENE DR
City	O FALLON
State	MO
Zip	63366-1411
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	LAKE CHAS HILLS LOT 3
Legal Subdivision	LAKE CHAS HILLS
Legal Lot Number	3
Jurisdiction	ST CHARLES MO
Township / Civil Division	WENTZVILLE
Census Block Group	1
Census Block	1012
Census Tract	311801

Owner

102 Lorene Dr is owned and occupied by an individual who bought it in April 2019.

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

Owner of Record	Individual Name on File
Mailing Address	102 LORENE DR, O FALLON, MO 63366-1411
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 2, 2019 · Amount on File
Deed Sale	Apr 2, 2019 · Amount on File
Deed Document Number	2019145490
Deed Book / Page	7053 / 2309
Prior Transfer Date	Jun 2, 2006
Prior Transfer Doc	0044991708
Record Updated	Oct 29, 2026

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Apr 2, 2019
Property Address	102 LORENE DR, O FALLON, MO 63366-1411
Document Number	0070532309
Book / Page	7053 / 2309
Map Reference	MB 6 PG 16
Instrument Date	Mar 29, 2019
Instrument	20190402000145490
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	TITLE PARTNERS AGENCY LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	102 LORENE DR, O FALLON, MO 63366-1411

Mortgage

Document Number	20190402000145500
Date	Apr 2, 2019
Instrument	20190402000145500

Lender

Name	FIRST COMMUNITY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 102 Lorene Dr was $3,775, up 1.5% from the year before.

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

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Unified School District	Fort Zumwalt R-II School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$43,586 (-)	$229,399 (-) Land $50,000 Building $179,399
2025	$3,775.00 (+1.45%)	$43,586	$229,399 Land $50,000 Building $179,399
2024	$3,721.00
2023		$41,498
2022			$218,413 Land $50,000 Building $168,413

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 102 Lorene Dr in Zone X, an area of minimal flood risk, though there have been 42 flood claims nearby since 1979.

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 6 (20% premium discount)
Nearby Flood Policies	5 in force
Nearby Flood Claims	42 (1979–2022)
Claims Outside the SFHA	6 of 42
Most Recent Claim	Jul 2022 · Severe Storms And Flooding
Claims by Event	Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Dec 2015 · 3 claims Severe Storms & Flooding, Jul 1993 · 8 claims

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

Wildfire risk around 102 Lorene Dr 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 65% of the US · lower than 75% 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	OFALLON PWS serves 32,515 people · EPA ID MO6010588
Water Source	Purchased surface water from several systems
Last State Inspection	Aug 2024
Lead	2 ppb (2023–2025) 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 134 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Gateway Fiber Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Wisper ISP.

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