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2012 Lauren Ln, O Fallon, MO 63366 Property Records

St. Charles County property record for 2012 Lauren Ln, O Fallon, MO 63366

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 2,149 sqft · built 1987
Lot Size3 acres (130,680 sqft)
OwnerTrust Name on File
Deeds & MortgagesNov 2022 Line of Credit
Sep 2018 Sale
Flood ZoneZone X (minimal risk)
APNA882000397

Property Details

APN / Parcel Number

Primary APNA882000397
Alternative APN
  • 2-0031-S010-00-0002.2000000

Interior

Bedrooms3 Beds
Full Baths2 Baths
Total Rooms5 Rooms
Stories1 Story
Building Area2,149 sqft Living Area
Gross Area4,884 sqft
1st Floor Area2,149 sqft
Basement Area2,111 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1987
Effective Year BuiltEffective 1987
Architectural StyleRanch
Exterior MaterialWood
Roof TypeGable
Roof MaterialAsphalt
Lot Area130,680 sqft
Garage TypeAttached
Garage Area624 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

PorchOpen Porch
Porch Area125 sqft
Deck AreaDeck Area
Patio Area547 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C

Location & Zoning

Account NumberA882000397
Street Address2012 LAUREN LN
CityO FALLON
StateMO
Zip63366-4535
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionPT NE 1/4
Legal Range2
Legal Township47
Legal Section01
Legal SubdivisionOAKS LEXINGTON 1
Legal Lot Number2
JurisdictionST CHARLES MO
Township / Civil DivisionWENTZVILLE
Census Block Group1
Census Block1030
Census Tract312001

Owner

2012 Lauren Ln is owner-occupied and held in a trust since September 2024.

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

Owner of RecordTrust Name on File
Mailing Address2012 LAUREN LN, O FALLON, MO 63366-4535
OccupancyOwner Occupied
Owner TypeCompany
VestingTrust, Family Trust

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

DateDocument
Nov 23, 2022Deed of Trust, Mortgage · Line of Credit
COMMERCE BANK
Sep 26, 2018Warranty Deed, Transfer
TITLE PARTNERS AGENCY LLC

Assessor's Deed Record

Deed NamesName on Deed
Last SaleSep 25, 2024
Deed SaleSep 25, 2024
Deed Document Number202439297
Prior Transfer DateMar 26, 2024
Prior Transfer Doc0000039391
Record UpdatedSep 20, 2026

November 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionST CHARLES MO
Property Address2012 LAUREN LN, O FALLON, MO 63366-4535
Transaction TypeMortgage
Record UpdatedDec 6, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address2012 LAUREN LN, O FALLON, MO 63366-4535

Mortgage

Document Number0000062808
DateNov 23, 2022
Instrument2022R-062808
Lender
NameCOMMERCE BANK
TypeBank
AddressKANSAS CITY, MO 64106
Agreement
TypeLine of Credit
AmountAmount on Record
Term120 Months
DueNov 15, 2032
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

September 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionST CHARLES MO
Recording DateSep 26, 2018
Property Address2012 LAUREN LN, O FALLON, MO 63366-4535
Document Number0069820852
Book / Page006982 / 000852
Instrument DateSep 25, 2018
Instrument552200
Transaction TypeTransfer
Record UpdatedOct 18, 2018
Title CompanyTITLE PARTNERS AGENCY LLC

Transaction

AmountAmount on Record
Tax$0.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants in Common
Address2012 LAUREN LN O FALLON MO 633664535, O FALLON, MO 63366-4535

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateMissouri
CountySt. Charles County
Unified School DistrictFort Zumwalt R-II School District (PK - 12)

Tax Bill & Assessment History

YearAssessed ValueAssessed Market Value
2026$83,759$440,839 Land $91,800 Building $349,039
2023$73,991
2022$389,428 Land $81,000 Building $308,428

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 2012 Lauren Ln in Zone X, an area of minimal flood risk, though there have been 27 flood claims nearby since 1990.

Source: FEMA National Flood Hazard Layer, effective August 25, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Claims27 (1990–2021)
Most Recent ClaimJun 2021 · river or lake flooding
Claims by Event
  • Severe Storms, Tornadoes, Hail, Flooding, Jun 1995 · 4 claims
  • Severe Storms, Tornadoes, Flooding, Apr 1994 · 4 claims
  • Severe Storms & Flooding, Sep 1993 · 11 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 2012 Lauren Ln is low, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 80% of the US · lower than 84% of Missouri
Wildfire Likelihood0.04% annual chance
ExposureDirect
burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 13 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Gateway Fiber
Fiber		2,000 / 2,000
Spectrum
Cable		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20

May also be available: Wisper ISP.

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