504 Lorene Dr, O Fallon, MO 63366 Property Records

St. Charles County property record for 504 Lorene Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,756 sqft · built 1950
Lot Size	0.6 acres (26,130 sqft)
Owner	Individual Name on File
Last Sale	$139,380 (Sep 2020)
Tax Bill	$3,057 (2025)
Deeds & Mortgages	Apr 2024 Line of Credit Dec 2021 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`320400A000`

Property Details

APN / Parcel Number

Primary APN	`320400A000`
Alternative APN	`2-0043-4329-00-0094.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,756 sqft Living Area
Gross Area	3,712 sqft
1st Floor Area	1,756 sqft
Basement Area	1,476 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Ranch
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	26,130 sqft (0.6 acres)
Lot Dimensions	134 ft deep x 195 ft wide
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	190 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	320400A000
Street Address	504 LORENE DR
City	O FALLON
State	MO
Zip	63366-1331
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	LAKE CHAS HILLS LOT 94 & LOT 95
Legal Subdivision	LAKE CHAS HILLS
Legal Lot Number	94
Jurisdiction	ST CHARLES MO
Township / Civil Division	WENTZVILLE
Census Block Group	1
Census Block	1018
Census Tract	311801

Owner

504 Lorene Dr is owned and occupied by an individual who bought it in September 2020.

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

Owner of Record	Individual Name on File
Mailing Address	504 LORENE DR, O FALLON, MO 63366-1331
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
Apr 23, 2024	Deed of Trust, Mortgage · Line of Credit BANK OF SPRINGFIELD
Dec 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANK OF SPRINGFIELD
Jan 10, 2019	Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO
Sep 17, 2020	Quit Claim Deed, Transfer HOME PT FIN'L
Nov 8, 2018	Warranty Deed, Transfer US TITLE
Nov 20, 2017	Affidavit of Death, Transfer
Nov 20, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 17, 2020 · Amount on File
Deed Sale	Sep 17, 2020 · Amount on File
Prior Sale	Sep 17, 2020 · Amount on File
Deed Document Number	202069018
Prior Transfer Date	Sep 11, 2020
Prior Transfer Doc	0000000018
Record Updated	Oct 29, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	504 LORENE DR, O FALLON, MO 63366-1331
Transaction Type	Mortgage
Record Updated	May 7, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	101 LAURA K DRIVE, SPRINGFIELD, IL 62794

Mortgage

Document Number	0000015227
Date	Apr 23, 2024
Instrument	2024R-015227

Lender

Name	BANK OF SPRINGFIELD
Type	Bank
Address	SPRINGFIELD, IL 62794

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	504 LORENE DR, O FALLON, MO 63366-1331
Transaction Type	Mortgage
Record Updated	Dec 30, 2021
Title Company	INVESTORS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	504 LORENE DR, O FALLON, MO 63366-1331

Mortgage

Document Number	0000099902
Date	Dec 10, 2021
Instrument	2021R-099902

Lender

Name	BANK OF SPRINGFIELD
Type	Bank
Address	SPRINGFIELD, IL 62703

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	504 LORENE DR, O FALLON, MO 63366-1331
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE PARTNERS AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	504 LORENE DR, O FALLON, MO 63366-1331

Mortgage

Document Number	0070240613
Date	Jan 10, 2019
Book Page	7024/0613
Instrument	20190110000014930

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2049

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CHARLES MO
Recording Date	Sep 17, 2020
Property Address	504 LORENE DR, O FALLON, MO 63366-1331
Document Number	0000069018
Instrument Date	Sep 11, 2020
Instrument	69018
Transaction Type	Transfer
Record Updated	Oct 29, 2020
Title Company	CONTINENTAL, CONTINENTAL TITLE CO

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	504 LORENE DR O FALLON MO 633661331, O FALLON, MO 63366-1331

Mortgage

Document Number	69019
Date	Sep 17, 2020
Instrument	69019

Lender

Name	HOME PT FIN'L
Address	PARSIPPANY, NJ 07054

Agreement

Amount	Amount on Record
Term	360 Months
Due	Sep 16, 2050

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Nov 8, 2018
Property Address	504 LORENE DR, O FALLON, MO 63366-1331
Document Number	0070010731
Book / Page	007001 / 000731
Instrument Date	Nov 2, 2018
Instrument	637720
Transaction Type	Transfer
Record Updated	Nov 29, 2018
Title Company	US TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	504 LORENE DR O FALLON MO 633661331, O FALLON, MO 63366-1331

November 2017: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	ST CHARLES MO
Recording Date	Nov 20, 2017
Property Address	504 LORENE DR, O FALLON, MO 63366-1331
Document Number	0068402177
Book / Page	006840 / 002177
Instrument Date	Jun 21, 2017
Instrument	720400
Transaction Type	Transfer
Record Updated	Nov 24, 2017

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	504 LORENE DR O FALLON MO 633661331, O FALLON, MO 63366-1331

November 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CHARLES MO
Recording Date	Nov 20, 2017
Property Address	504 LORENE DR, O FALLON, MO 63366-1331
Document Number	0068402180
Book / Page	006840 / 002180
Instrument Date	Jun 21, 2017
Instrument	720410
Transaction Type	Transfer
Record Updated	Nov 24, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	504 LORENE DR O FALLON MO 633661331, O FALLON, MO 63366-1331

Tax Assessment & Valuation

The 2025 property tax bill for 504 Lorene Dr was $3,057, up 3.6% from the year before.

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		$51,513 (-)	$271,123 (-) Land $50,000 Building $221,123
2025	$3,057.00 (+3.63%)	$51,513	$271,123 Land $50,000 Building $221,123
2024	$2,950.00
2023		$48,326
2022			$254,349 Land $50,000 Building $204,349

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 504 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 504 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 138 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.

Cell Coverage

5G and 4G LTE (outdoors only)

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