104 Laguna Dr, O Fallon, MO 63368 Property Records

St. Charles County property record for 104 Laguna Dr, O Fallon, MO 63368

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,770 sqft · built 2002
Lot Size	0.22 acres (9,583 sqft)
Owner	Individual Name on Record
Last Sale	$219,000 (Feb 2008)
Tax Bill	$4,013 (2025)
Deeds & Mortgages	May 2026 Line of Credit Feb 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T012500459`

Property Details

APN / Parcel Number

Primary APN	`T012500459`
Alternative APN	`2-0066-8563-00-0286.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,770 sqft Living Area
Gross Area	3,718 sqft
1st Floor Area	1,672 sqft
Basement Area	1,646 sqft
Finished Basement	98 sqft
Unfinished Basement	1,548 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Ranch
Exterior Material	Brick/Stone
Lot Area	9,583 sqft (0.22 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	68 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T012500459
Street Address	104 LAGUNA DR
City	O FALLON
State	MO
Zip	63368-6685
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VLGS AT HUTCHINGS FARM #2 LOT 286
Legal Subdivision	VLGS AT HUTCHINGS FARM #2
Legal Lot Number	286
Jurisdiction	ST CHARLES MO
Township / Civil Division	DARDENNE
Census Block Group	2
Census Block	2001
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	Individual Name on Record
Mailing Address	104 LAGUNA DR, O FALLON, MO 63368-6685
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 7, 2026	Deed of Trust, Mortgage · Line of Credit GUILD MORTGAGE COMPANY
Feb 28, 2017	Deed of Trust, Mortgage · Conventional Mortgage CORNERSTONE MORTGAGE INC
Jul 22, 2022	Transfer on Death Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 19, 2008 · Amount on Record
Deed Sale	Feb 19, 2008 · Amount on Record
Prior Sale	Dec 12, 2002 · Amount on Record
Deed Document Number	2008117470
Deed Book / Page	4930 / 2045
Last Transfer Date	Jul 22, 2022
Transfer Doc	0000040774
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Recording Date	May 7, 2026
Property Address	104 LAGUNA DR, O FALLON, MO 63368-6685
Document Number	0000021348
Instrument Date	Apr 30, 2026
Instrument	202621348
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 LAGUNA DR, O FALLON, MO 63368-6685

Mortgage

Document Number	0000021348,
Date	May 7, 2026
Instrument	202621348

Lender

Name	GUILD MORTGAGE COMPANY

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	May 26, 2046

Interest

Rate	6.46%
Max Rate	-1%

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	104 LAGUNA DR, O FALLON, MO 63368-6685
Transaction Type	Mortgage
Record Updated	Sep 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000123340
Date	Feb 28, 2017
Book Page	6705/0416
Instrument	20170228000123340

Lender

Name	CORNERSTONE MORTGAGE INC
Type	Mortgage Company
Address	CHESTERFIELD, MO 63005

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Mar 1, 2032

July 2022: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jul 22, 2022
Property Address	104 LAGUNA DR, O FALLON, MO 63368-6685
Document Number	0000040774
Instrument Date	Jul 12, 2022
Instrument	2022R-040774
Transaction Type	Transfer
Record Updated	Sep 15, 2022

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name
Address	104 LAGUNA DR, 104, O FALLON, MO 63368-6685

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 LAGUNA DR, O FALLON, MO 63368-6685
Investor	Possibly a Property Investor

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		$62,478 (-)	$328,829 (-) Building $328,829
2025	$4,013.00 (+4.1%)	$62,478 (+7.23%)	$328,829 (+7.23%) Building $328,829
2024	$3,855.00
2023		$58,263
2022			$306,645 Land $55,000 Building $251,645

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	Not rated no burnable land within 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
Also Mapped Here	MO AMERICAN ST LOUIS ST CHARLES COUNTIES
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 511 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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