407 Lorene Dr, O Fallon, MO 63366 Property Records

St. Charles County property record for 407 Lorene Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,481 sqft · built 1960
Lot Size	0.367 acres (16,000 sqft)
Owner	Individual Name on Record
Last Sale	$125,000 (Aug 2017)
Tax Bill	$2,894 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Aug 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`318660A000`

Property Details

APN / Parcel Number

Primary APN	`318660A000`
Alternative APN	`2-0043-4329-00-0037.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,481 sqft Living Area
1st Floor Area	1,481 sqft

Exterior

Year Built	Built 1960
Architectural Style	Ranch
Exterior Material	Composition/Composite
Lot Area	16,000 sqft
Lot Dimensions	80 ft deep x 200 ft wide
Garage Type	Attached
Garage Area	395 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	125 sqft
Patio Area	168 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	318660A000
Old Parcel Number	318660A000
Street Address	407 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 PT LOT 37
Legal Range	02E
Legal Township	47N
Legal Subdivision	LAKE CHAS HILLS
Legal Lot Number	37
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	407 LORENE DR, O FALLON, MO 63366-1328
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage BROKER SOLUTIONS INC
Aug 8, 2017	Warranty Deed, Transfer · FHA Mortgage SUPREME LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 8, 2017 · Amount on Record
Deed Sale	Aug 8, 2017 · Amount on Record
Deed Document Number	0067881479
Deed Book / Page	6788 / 1479
Record Updated	Jun 8, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	407 LORENE DR, O FALLON, MO 63366-1328
Transaction Type	Mortgage
Record Updated	Mar 29, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	407 LORENE DR, O FALLON, MO 63366-1328

Mortgage

Document Number	2021R020016
Date	Mar 8, 2021
Instrument	2021R-020016

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company
Address	TUSTIN, CA 92780

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2036

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Aug 8, 2017
Property Address	407 LORENE DR, O FALLON, MO 63366-1328
Document Number	0067881479
Book / Page	006788 / 001479
Instrument Date	Aug 3, 2017
Instrument	497590
Transaction Type	Transfer
Record Updated	Sep 21, 2017
Title Company	TITLE PARTNERS AGENCY LLC, TITLE PTRS AGCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	407 LORENE DR O FALLON MO 633661328, O FALLON, MO 63366-1328

Mortgage

Document Number	67881482
Date	Aug 8, 2017
Book Page	006788/001482
Instrument	497600

Lender

Name	SUPREME LNDG
Address	DALLAS, TX 75254

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 7, 2047

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	$2,894.00	$48,768 (+5.27%)	$256,675 (+5.27%) Land $50,000 Building $206,675
2023		$46,328
2022			$243,831 Land $50,000 Building $193,831

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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