St. Charles County property record for 108 Laguna Dr, O Fallon, MO 63368
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,583 sqft · built 2001 |
| Lot Size | 0.31 acres (13,504 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $243,000 (Apr 2014) |
| Tax Bill | $5,127 (2025) |
| Deeds & Mortgages | Jul 2023 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | T012500461 |
| Primary APN | T012500461 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,583 sqft Living Area |
| Gross Area | 4,900 sqft |
| 1st Floor Area | 1,687 sqft |
| Basement Area | 1,657 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Architectural Style | Bi-Level |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 13,504 sqft (0.31 acres) |
| Terrain | Rolling |
| Garage Type | Attached |
| Garage Area | 660 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 228 sqft |
| Patio Area | 88 sqft |
| Heating Fuel | Gas |
|---|---|
| Sewer | Connected |
| Account Number | T012500461 |
|---|---|
| Street Address | 108 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 288 |
| Legal Subdivision | VLGS AT HUTCHINGS FARM #2 |
| Legal Lot Number | 288 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | DARDENNE |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 311735 |
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 | 108 LAGUNA DR, O FALLON, MO 63368-6685 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 11, 2014 · Amount on Record |
| Deed Sale | Apr 11, 2014 · Amount on Record |
| Prior Sale | Jul 27, 2005 · Amount on Record |
| Deed Document Number | 2014179660 |
| Deed Book / Page | 6174 / 76 |
| Prior Transfer Date | Aug 19, 2003 |
| Prior Transfer Doc | 0000134235 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 108 LAGUNA DR, O FALLON, MO 63368-6685 |
| Transaction Type | Mortgage |
| Record Updated | Jul 31, 2023 |
| Name | Verified Name |
|---|---|
| Address | 108 LAGUNA DR, O FALLON, MO 63368-6685 |
| Document Number | 0000028239 |
|---|---|
| Date | Jul 17, 2023 |
| Instrument | 2023R-028239 |
| Name | VANTAGE CU |
|---|---|
| Type | Credit Union |
| Address | SAINT CHARLES, MO 63304 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 72 Months |
| Due | Jul 15, 2029 |
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | O'Fallon City |
| Unified School District | Fort Zumwalt R-II School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $79,989 (-) | $420,996 (-) Land $75,000 Building $345,996 | |
| 2025 | $5,127.00 (+5.13%) | $79,989 (+8.27%) | $420,996 (+8.27%) Land $75,000 Building $345,996 |
| 2024 | $4,877.00 | ||
| 2023 | $73,881 | ||
| 2022 | $388,845 Land $55,000 Building $333,845 |
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.
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.
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.
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 |
| 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.
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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