406 Raymond Dr, O Fallon, MO 63366 Property Records

St. Charles County property record for 406 Raymond Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,440 sqft · built 1962
Lot Size	0.289 acres (12,600 sqft)
Owner	2 Individual Names on Record
Last Sale	$225,432 (Sep 2022)
Tax Bill	$4,441 (2025)
Deeds & Mortgages	Sep 2022 Mortgage Jan 2022 Transfer
Flood Zone	Zone X (minimal risk)
APN	`324150A000`

Property Details

APN / Parcel Number

Primary APN	`324150A000`
Alternative APN	`2-0043-4107-00-0008.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,440 sqft Living Area
Gross Area	3,320 sqft
1st Floor Area	1,440 sqft
Basement Area	1,440 sqft

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,600 sqft (0.289 acres)
Lot Dimensions	140 ft deep x 90 ft wide
Terrain	Rolling
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	60 sqft
Deck Area	Deck Area
Patio Area	210 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	324150A000
Street Address	406 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 8
Legal Subdivision	LAKE CHARLES HILLS #3
Legal Lot Number	8
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 September 10, 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	406 RAYMOND DR, O FALLON, MO 63366-1353
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 30, 2022	Intrafamily Transfer, Transfer · VA Mortgage CARRINGTON MORTGAGE SERVICES LLC
Jan 19, 2022	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 30, 2022 · Amount on Record
Deed Sale	Sep 30, 2022 · Amount on Record
Prior Sale	Jun 22, 2020 · Amount on Record
Deed Document Number	202253701
Prior Transfer Date	Sep 24, 2022
Prior Transfer Doc	0000053701
Record Updated	Oct 29, 2026

September 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Sep 30, 2022
Property Address	406 RAYMOND DR, O FALLON, MO 63366-1353
Document Number	0000053701
Map Reference	MB 7 PG 12
Instrument Date	Sep 24, 2022
Instrument	2022R-053701
Transaction Type	Transfer
Record Updated	Sep 21, 2023
Title Company	VYLLA TITLE LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	406 RAYMOND DR, O FALLON, MO 63366-1353

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 RAYMOND DR, O FALLON, MO 63366-1353

Mortgage

Document Number	0000053702
Date	Sep 30, 2022
Instrument	2022R-053702

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

January 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Jan 19, 2022
Property Address	406 RAYMOND DR, O FALLON, MO 63366-1353
Document Number	0000003844
Map Reference	MB 6 PG 16
Instrument Date	Jan 10, 2022
Instrument	2022R-003844
Transaction Type	Transfer
Record Updated	Sep 21, 2023

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	108 LORENE DR, O FALLON, MO 63366-1411

Tax Assessment & Valuation

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		$51,451 (-)	$270,794 (-) Land $50,000 Building $220,794
2025	$4,441.00	$51,451 (+6.9%)	$270,794 (+6.9%) Land $50,000 Building $220,794
2023		$48,128
2022			$253,304 Land $50,000 Building $203,304

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 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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