210 Lorene Dr, O Fallon, MO 63366 Property Records

St. Charles County property record for 210 Lorene Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 864 sqft · built 1954
Lot Size	0.517 acres (22,500 sqft)
Owner	2 Individual Names on File
Last Sale	$55,000 (Nov 2011)
Tax Bill	$3,432 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Jan 2022 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`318150A000`

Property Details

APN / Parcel Number

Primary APN	`318150A000`
Alternative APN	`2-0043-4329-00-0020.0000000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	864 sqft Living Area
Gross Area	2,052 sqft
1st Floor Area	864 sqft
Basement Area	864 sqft

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Architectural Style	Ranch
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	22,500 sqft (0.517 acres)
Lot Dimensions	150 ft deep x 150 ft wide
Garage Type	Attached
Garage Area	324 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Porch
Porch Area	32 sqft
Deck Area	Deck Area
Patio Area	180 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	318150A000
Street Address	210 LORENE DR
City	O FALLON
State	MO
Zip	63366-1413
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	LAKE CHAS HILLS LOT 20
Legal Subdivision	LAKE CHAS HILLS
Legal Lot Number	20
Jurisdiction	ST CHARLES MO
Township / Civil Division	WENTZVILLE
Census Block Group	1
Census Block	1012
Census Tract	311801

Owner

210 Lorene Dr is owned and occupied by two individuals who bought it in November 2011.

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

Owner of Record	2 Individual Names on File
Mailing Address	210 LORENE DR, O FALLON, MO 63366-1413
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

Date	Document
Jun 10, 2026	Deed of Trust, Mortgage · Conventional Mortgage FIRST COMMUNITY CREDIT UNION
Jan 24, 2022	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC
Jun 3, 2021	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC
Dec 6, 2017	Deed of Trust, Mortgage · FHA Mortgage VINSON MORTGAGE SERVICES INC
Mar 27, 2020	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC
Nov 4, 2020	Loan Modification, Mortgage · FHA Mortgage MR COOPER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 18, 2011 · Amount on File
Deed Sale	Nov 18, 2011 · Amount on File
Prior Sale	Oct 26, 2011 · Amount on File
Deed Document Number	2011715190
Deed Book / Page	5677 / 943
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Recording Date	Jun 10, 2026
Property Address	210 LORENE DR, O FALLON, MO 63366-1413
Document Number	0000027157
Instrument Date	May 30, 2026
Instrument	202627157
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	TOUCHSTONE TITLE AND ABSTRACT, TOUCHSTONE TITLE & ABSTRACT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	210 LORENE DR, O FALLON, MO 63366-1413

Mortgage

Document Number	0000027157,
Date	Jun 10, 2026
Instrument	202627157

Lender

Name	FIRST COMMUNITY CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jun 15, 2041

Interest

Rate Type	Fixed Rate
Rate	5.64%
Initial Type	Fixed Rate
Max Rate	-1%

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	210 LORENE DR, O FALLON, MO 63366-1413
Transaction Type	Mortgage
Record Updated	Feb 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	210 LORENE DR, O FALLON, MO 63366-1413

Mortgage

Document Number	0000004566
Date	Jan 24, 2022
Instrument	2022R-004566

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	PASADENA, TX 77506

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	210 LORENE DR, O FALLON, MO 63366-1413
Transaction Type	Mortgage
Record Updated	Jun 17, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	210 LORENE DR, O FALLON, MO 63366-1413

Mortgage

Document Number	2021R047435
Date	Jun 3, 2021
Instrument	2021R-047435

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2051

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	210 LORENE DR, O FALLON, MO 63366-1413
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0068490503
Date	Dec 6, 2017
Book Page	6849/0503
Instrument	20171206000754820

Lender

Name	VINSON MORTGAGE SERVICES INC
Type	Mortgage Company
Address	SAINT LOUIS, MO 63131

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2048

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	210 LORENE DR, O FALLON, MO 63366-1413
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0072570935
Date	Mar 27, 2020
Book Page	7257/935
Instrument	20200327000190130

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2050

November 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST CHARLES MO
Property Address	210 LORENE DR, O FALLON, MO 63366-1413
Document Number	0000087484
Instrument Date	Nov 4, 2020
Transaction Type	Mortgage
Record Updated	Feb 23, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	210 LORENE DR O FALLON MO 633661413, O FALLON, MO 63366-1413

Mortgage

Document Number	0000087484
Date	Nov 12, 2020
Instrument	87484

Lender

Name	MR COOPER
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 11, 2050

Interest

Rate	2.75%

Tax Assessment & Valuation

The 2025 property tax bill for 210 Lorene Dr was $3,432.

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		$34,448 (-)	$181,304 (-) Land $50,000 Building $131,304
2025	$3,432.00	$34,448	$181,304 Land $50,000 Building $131,304
2023		$31,742
2022			$167,064 Land $50,000 Building $117,064

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

Flood

FEMA maps place 210 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 210 Lorene Dr is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 64% of the US · lower than 72% of Missouri
Wildfire Likelihood	0.03% 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	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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