402 Raymond Dr, O Fallon, MO 63366 Property Records

St. Charles County property record for 402 Raymond Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,012 sqft · built 1965
Lot Size	0.289 acres (12,600 sqft)
Owner	Individual Name on Record
Last Sale	$185,000 (Aug 2023)
Tax Bill	$3,588 (2025)
Deeds & Mortgages	Aug 2023 Mortgage Sep 2021 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`324210A000`

Property Details

APN / Parcel Number

Primary APN	`324210A000`
Alternative APN	`2-0043-4107-00-0010.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,012 sqft Living Area
1st Floor Area	1,012 sqft
Basement Area	960 sqft

Exterior

Year Built	Built 1965
Architectural Style	Ranch
Exterior Material	Brick/Stone
Lot Area	12,600 sqft
Lot Dimensions	140 ft deep x 90 ft wide
Garage Type	Attached
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	72 sqft
Patio Area	72 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	324210A000
Old Parcel Number	324210A000
Street Address	402 RAYMOND DR
City	O FALLON
State	MO
Zip	63366-1353
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AA1
Legal Description	LAKE CHAS HILLS #3 LOT 10
Legal Range	02E
Legal Township	47N
Legal Subdivision	LAKE CHARLES HILLS #3
Legal Lot Number	10
Jurisdiction	ST CHARLES MO
Township / Civil Division	WENTZVILLE
Census Block Group	1
Census Block	1017
Census Tract	311801

Owner

Source: St. Charles County records, as of March 16, 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	402 RAYMOND DR, O FALLON, MO 63366-1353
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 1, 2023	Warranty Deed, Transfer · Conventional Mortgage AMERANT MORTGAGE LLC
Sep 7, 2021	Warranty Deed, Transfer · Line of Credit CNB ST LOUIS BANK
Aug 11, 2021	Intrafamily Transfer, Transfer TITLE PARTNERS AGENCY LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 1, 2023 · Amount on Record
Deed Sale	Aug 1, 2023 · Amount on Record
Prior Sale	Sep 7, 2021
Deed Document Number	0202330601
Deed Book / Page	2023 / 30601
Record Updated	Jun 8, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Aug 1, 2023
Property Address	402 RAYMOND DR, O FALLON, MO 63366-1353
Document Number	0000030601
Map Reference	MB 7 PG 12
Instrument Date	Jul 31, 2023
Instrument	2023R-030601
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	TOUCHSTONE TITLE AND ABSTRACT, TOUCHSTONE TITLE & ABSTRACT

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3 ENCLAVE CT, SAINT CHARLES, MO 63304-7698

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	402 RAYMOND DR, O FALLON, MO 63366-1353

Mortgage

Document Number	0000030602
Date	Aug 1, 2023
Instrument	2023R-030602

Lender

Name	AMERANT MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2053

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Sep 7, 2021
Property Address	402 RAYMOND DR, O FALLON, MO 63366-1353
Document Number	0000074472
Map Reference	MB 7 PG 12
Instrument Date	Aug 31, 2021
Instrument	2021R-074472
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	NOT AVAILABLE, UST

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	402 RAYMOND DR, O FALLON, MO 63366-1353

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3 ENCLAVE CT, SAINT CHARLES, MO 63304-7698

Mortgage

Document Number	0000074473
Date	Sep 7, 2021
Instrument	2021R-074473

Lender

Name	CNB ST LOUIS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Aug 11, 2021
Property Address	402 RAYMOND DR, O FALLON, MO 63366-1353
Document Number	0000067375
Map Reference	MB 7 PG 12
Instrument Date	Jul 28, 2021
Instrument	2021R-067375
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	TITLE PARTNERS AGENCY LLC

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	402 RAYMOND DR, O FALLON, MO 63366-1353

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of July 1, 2025

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
2025	$3,588.00 (+13.19%)	$37,067 (+6.44%)	$195,091 (+6.44%) Land $50,000 Building $145,091
2023		$34,824 (+28.04%)
2022	$3,170.00	$27,198	$183,285 (+28.04%) Land $50,000 Building $133,285
2021			$143,146 Land $40,000 Building $103,146

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 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

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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