403 Lorene Dr, O Fallon, MO 63366 Property Records

St. Charles County property record for 403 Lorene Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,696 sqft · built 1970
Lot Size	0.775 acres (33,750 sqft)
Owner	Individual Name on File
Last Sale	$114,299 (Aug 2013)
Tax Bill	$4,998 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Feb 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`318600A000`

Property Details

APN / Parcel Number

Primary APN	`318600A000`
Alternative APN	`2-0043-4329-00-0035.0000000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,696 sqft Living Area
Gross Area	5,328 sqft
1st Floor Area	2,304 sqft
Basement Area	2,304 sqft
Finished Basement	392 sqft
Unfinished Basement	1,912 sqft

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Architectural Style	Ranch
Exterior Material	Brick/Stone
Roof Type	Flat
Roof Material	Asphalt
Lot Area	33,750 sqft (0.775 acres)
Lot Dimensions	225 ft deep x 150 ft wide
Garage Type	Attached
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	24 sqft
Deck Area	Deck Area
Patio Area	396 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	318600A000
Street Address	403 LORENE DR
City	O FALLON
State	MO
Zip	63366-1328
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	LAKE CHAS HILLS LOT 35
Legal Subdivision	LAKE CHAS HILLS
Legal Lot Number	35
Jurisdiction	ST CHARLES MO
Township / Civil Division	WENTZVILLE
Census Block Group	1
Census Block	1017
Census Tract	311801

Owner

403 Lorene Dr is owned and occupied by an individual who acquired it in February 2026.

Source: St. Charles County records, as of September 24, 2026

Owner of Record	Individual Name on File
Mailing Address	403 LORENE DR, O FALLON, MO 63366-1328
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
Mar 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage CELEBRITY HOME LOANS LLC
Feb 19, 2020	Deed of Trust, Mortgage · Conventional Mortgage GENEVA FINANCIAL LLC
Aug 7, 2020	Deed of Trust, Mortgage · Conventional Mortgage GENEVA FINANCIAL LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 1, 2013 · Amount on File
Deed Sale	Aug 1, 2013 · Amount on File
Prior Sale	Mar 27, 2013 · Amount on File
Deed Document Number	2013612050
Deed Book / Page	6068 / 1905
Last Transfer Date	Feb 3, 2026
Transfer Doc	0000004936
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	403 LORENE DR, O FALLON, MO 63366-1328
Transaction Type	Mortgage
Record Updated	Apr 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	403 LORENE DR, O FALLON, MO 63366-1328

Mortgage

Document Number	2021R027447
Date	Mar 30, 2021
Instrument	2021R-027447

Lender

Name	CELEBRITY HOME LOANS LLC
Type	Non-Lending Institution
Address	VILLA PARK, IL 60181

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Apr 1, 2041

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	403 LORENE DR, O FALLON, MO 63366-1328
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0072330234
Date	Feb 19, 2020
Book Page	7233/0234
Instrument	20200219000100470

Lender

Name	GENEVA FINANCIAL LLC
Type	Mortgage Company
Address	CHANDLER, AZ 85248

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2050

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	403 LORENE DR, O FALLON, MO 63366-1328
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0073661260
Date	Aug 7, 2020
Book Page	7366/1260
Instrument	20200807000566300

Lender

Name	GENEVA FINANCIAL LLC
Type	Mortgage Company
Address	CHANDLER, AZ 85248

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	354 Months
Due	Feb 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 403 Lorene Dr was $4,998.

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		$60,831 (-)	$320,165 (-) Land $50,000 Building $270,165
2025	$4,998.00	$60,831	$320,165 Land $50,000 Building $270,165
2023		$56,856
2022			$299,244 Land $50,000 Building $249,244

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

FEMA maps place 403 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 403 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 73% of Missouri
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

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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