106 Laguna Dr, O Fallon, MO 63368 Property Records

St. Charles County property record for 106 Laguna Dr, O Fallon, MO 63368

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,122 sqft · built 2001
Lot Size	0.27 acres (11,761 sqft)
Owner	2 Individual Names on File
Last Sale	$320,500 (Jun 2015)
Tax Bill	$5,484 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Apr 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T012500460`

Property Details

APN / Parcel Number

Primary APN	`T012500460`
Alternative APN	`2-0066-8563-00-0287.0000000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,122 sqft Living Area
Gross Area	4,740 sqft
1st Floor Area	1,518 sqft
Basement Area	1,358 sqft
Finished Basement	340 sqft
Unfinished Basement	1,018 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Lot Area	11,761 sqft (0.27 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	600 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	162 sqft
Patio Area	168 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T012500460
Street Address	106 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 287
Legal Subdivision	VLGS AT HUTCHINGS FARM #2
Legal Lot Number	287
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	106 LAGUNA DR, O FALLON, MO 63368-6685
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage STIFEL BANK & TRUST
Apr 30, 2020	Deed of Trust, Mortgage STIFEL BK&TR
Aug 12, 2019	Deed of Trust, Mortgage STIFEL BK&TR

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 26, 2015 · Amount on File
Deed Sale	Jun 26, 2015 · Amount on File
Prior Sale	Feb 6, 2002 · Amount on File
Deed Document Number	2015413550
Deed Book / Page	6379 / 369
Record Updated	Sep 20, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	106 LAGUNA DR, O FALLON, MO 63368-6685
Transaction Type	Mortgage
Record Updated	Nov 9, 2021
Title Company	TITLE PARTNERS AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	106 LAGUNA DR, O FALLON, MO 63368-6685

Mortgage

Document Number	2021R089117
Date	Oct 27, 2021
Instrument	2021R-089117

Lender

Name	STIFEL BANK & TRUST
Type	Bank
Address	SAINT LOUIS, MO 63141

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	106 LAGUNA DR, O FALLON, MO 63368-6685
Document Number	0072871254
Instrument Date	Apr 30, 2020
Transaction Type	Mortgage
Record Updated	Jul 15, 2020
Title Company	TITLE PARTNERS AGENCY LLC, TITLE PTRS AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	106 LANA DR O FALLON MO 63368, O FALLON, MO 63368

Mortgage

Document Number	0072871254
Date	May 5, 2020
Book Page	007287/001254
Instrument	287290

Lender

Name	STIFEL BK&TR
Type	Bank
Address	SAINT LOUIS, MO 63141

Agreement

Amount	Amount on Record
Term	360 Months
Due	May 4, 2050

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	106 LAGUNA DR, O FALLON, MO 63368-6685
Document Number	0071241811
Instrument Date	Aug 12, 2019
Transaction Type	Mortgage
Record Updated	Sep 2, 2019
Title Company	TITLE PARTNERS AGENCY, TITLE PTRS AGCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	106 LAGUNA DR O FALLON MO 633686685, O FALLON, MO 63368-6685

Mortgage

Document Number	0071241811
Date	Aug 16, 2019
Book Page	007124/001811
Instrument	432930

Lender

Name	STIFEL BK&TR
Type	Bank
Address	SAINT LOUIS, MO 63141

Agreement

Amount	Amount on Record
Term	360 Months
Due	Aug 15, 2049

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		$85,611 (-)	$450,583 (-) Land $75,000 Building $375,583
2025	$5,484.00	$85,611 (+10.4%)	$450,583 (+10.4%) Land $75,000 Building $375,583
2023		$77,544
2022			$408,128 Land $55,000 Building $353,128

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 99.1% of the US · lower than 98.2% 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
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.

Nearby Properties on Laguna Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures