605 Lake Dr, O Fallon, MO 63366 Property Records

St. Charles County property record for 605 Lake Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,645 sqft · built 1986
Lot Size	0.67 acres (29,185 sqft)
Owner	2 Individual Names on File
Last Sale	$157,560 (Jul 2021)
Tax Bill	$3,349 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Feb 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`T060300415`

Property Details

APN / Parcel Number

Primary APN	`T060300415`
Alternative APN	`2-0043-9892-00-083A.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,645 sqft Living Area
Gross Area	3,331 sqft
1st Floor Area	1,445 sqft
Basement Area	1,445 sqft
Finished Basement	1,200 sqft
Unfinished Basement	245 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	29,185 sqft (0.67 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	76 sqft
Patio Area	480 sqft

Location & Zoning

Account Number	T060300415
Street Address	605 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 83A
Legal Subdivision	LAKE CHARLES HILLS BDRY ADJ LTS 81-85
Legal Lot Number	83A
Jurisdiction	ST CHARLES MO
Township / Civil Division	WENTZVILLE
Census Block Group	1
Census Block	1018
Census Tract	311801

Owner

605 Lake Dr is owned and occupied by two individuals who bought it in July 2021.

Source: St. Charles County records, as of September 10, 2026

Owner of Record	2 Individual Names on File
Mailing Address	605 LAKE DR, O FALLON, MO 63366-1322
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
Jul 7, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Feb 7, 2019	Deed of Trust, Mortgage · FHA Mortgage ORION LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 7, 2021 · Amount on File
Deed Sale	Jul 7, 2021 · Amount on File
Prior Sale	Feb 21, 2013 · Amount on File
Deed Document Number	202156977
Prior Transfer Date	Jun 7, 2021
Prior Transfer Doc	2021R056977
Record Updated	Oct 29, 2026

July 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Jul 7, 2021
Property Address	605 LAKE DR, O FALLON, MO 63366-1322
Document Number	2021R056977
Map Reference	MB 42 PG 226
Instrument Date	Jun 7, 2021
Instrument	2021R-056977
Transaction Type	Transfer
Record Updated	Jul 26, 2021

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	605 LAKE DR, O FALLON, MO 63366-1322

Mortgage

Document Number	2021R056978
Date	Jul 7, 2021
Instrument	2021R-056978

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jul 1, 2036

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	605 LAKE DR, O FALLON, MO 63366-1322
Document Number	0070360028
Instrument Date	Feb 7, 2019
Transaction Type	Mortgage
Record Updated	Mar 1, 2019
Title Company	INVESTORS TITLE COMPANY, INVESTORS TITLE CO.

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	605 LAKE DR O FALLON MO 633661322, O FALLON, MO 63366-1322

Mortgage

Document Number	0070360028
Date	Feb 14, 2019
Book Page	007036/000028
Instrument	68590

Lender

Name	ORION LNDG
Address	BREA, CA 92821

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 13, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 605 Lake Dr was $3,349, up 5.8% 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		$56,425 (-)	$296,973 (-) Land $60,000 Building $236,973
2025	$3,349.00 (+5.81%)	$56,425	$296,973 Land $60,000 Building $236,973
2024	$3,165.00
2023		$51,847
2022			$272,880 Land $60,000 Building $212,880

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 605 Lake Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 605 Lake Dr is low, with a 0.04% annual chance of 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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