601 Lake Dr, O Fallon, MO 63366 Property Records

St. Charles County property record for 601 Lake Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,752 sqft · built 1945
Lot Size	0.73 acres (31,799 sqft)
Owner	2 Individual Names on Record
Last Sale	$150,000 (Jan 2010)
Tax Bill	$4,109 (2025)
Deeds & Mortgages	Sep 2022 Mortgage Jun 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`T060300416`

Property Details

APN / Parcel Number

Primary APN	`T060300416`
Alternative APN	`2-0043-9892-00-085A.0000000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,752 sqft Living Area
Gross Area	2,784 sqft
1st Floor Area	1,152 sqft
Basement Area	1,152 sqft
Finished Basement	600 sqft
Unfinished Basement	552 sqft

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1945
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	31,799 sqft (0.73 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	88 sqft
Deck Area	Deck Area
Patio Area	832 sqft

Location & Zoning

Account Number	T060300416
Street Address	601 LAKE DR
City	O FALLON
State	MO
Zip	63366-1322
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LAKE CHAS HILLS BDRY ADJ LTS 81-85 LOT 85A
Legal Subdivision	LAKE CHARLES HILLS BDRY ADJ LTS 81-85
Legal Lot Number	85A
Jurisdiction	ST CHARLES MO
Township / Civil Division	WENTZVILLE
Census Block Group	1
Census Block	1018
Census Tract	311801

Owner

Source: St. Charles County records, as of August 7, 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	601 LAKE DR, O FALLON, MO 63366-1322
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 12, 2022	Deed of Trust, Mortgage · FHA Mortgage WELLS FARGO BANK NA
Jun 8, 2021	Deed of Trust, Mortgage · FHA Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 29, 2010 · Amount on Record
Deed Sale	Jan 29, 2010 · Amount on Record
Prior Sale	Oct 7, 2004 · Amount on Record
Deed Document Number	201061300
Deed Book / Page	5334 / 1941
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	601 LAKE DR, O FALLON, MO 63366-1322
Transaction Type	Mortgage
Record Updated	Sep 27, 2022
Title Company	FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	601 LAKE DR, O FALLON, MO 63366-1322

Mortgage

Document Number	0000050035
Date	Sep 12, 2022
Instrument	2022R-050035

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	DES MOINES, IA 50328

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	355 Months
Due	Apr 1, 2052

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	601 LAKE DR, O FALLON, MO 63366-1322
Transaction Type	Mortgage
Record Updated	Jun 22, 2021
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	601 LAKE DR, O FALLON, MO 63366-1322

Mortgage

Document Number	2021R048748
Date	Jun 8, 2021
Instrument	2021R-048748

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	DES MOINES, IA 50328

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	278 Months
Due	Aug 1, 2044

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		$45,849 (-)	$241,311 (-) Land $60,000 Building $181,311
2025	$4,109.00	$45,849 (+2.66%)	$241,311 (+2.66%) Land $60,000 Building $181,311
2023		$44,663
2022			$235,067 Land $60,000 Building $175,067

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 62% of the US · lower than 67% of Missouri
Wildfire Likelihood	0.04% 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.

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