St. Charles County property record for 704 Lorene Dr, O Fallon, MO 63366
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,196 sqft · built 1984 |
| Lot Size | 0.76 acres (33,106 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $5,572 (2024) |
| Flood Zone | Zone X (minimal risk) |
| APN | 320880A000 |
| Primary APN | 320880A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,196 sqft Living Area |
| Gross Area | 3,432 sqft |
| 1st Floor Area | 1,196 sqft |
| Basement Area | 1,196 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1984 |
|---|---|
| Effective Year Built | Effective 1984 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 33,106 sqft (0.76 acres) |
| Lot Dimensions | 151 ft deep x 110 ft wide |
| Terrain | Rolling |
| Garage Type | Attached |
| Garage Area | 1,040 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 30 sqft |
| Deck Area | Deck Area |
| Patio Area | 322 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 320880A000 |
|---|---|
| Street Address | 704 LORENE DR |
| City | O FALLON |
| State | MO |
| Zip | 63366-1335 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AF0 |
| Legal Description | LAKE CHAS HILLS LOT 110 & 109 |
| Legal Subdivision | LAKE CHAS HILLS |
| Legal Lot Number | 110 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | WENTZVILLE |
| Census Block Group | 1 |
| Census Block | 1018 |
| Census Tract | 311801 |
704 Lorene Dr is owned and occupied by two individuals who acquired it in December 2020.
Source: St. Charles County records, as of August 7, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 704 LORENE DR, O FALLON, MO 63366-1335 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Dec 22, 2020 |
| Transfer Doc | 2020R101514 |
| Record Updated | Sep 20, 2026 |
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Unified School District | Fort Zumwalt R-II School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $50,429 (-) | $265,418 (-) Land $60,000 Building $205,418 | |
| 2025 | $50,429 | $265,418 Land $60,000 Building $205,418 | |
| 2024 | $5,572.00 | ||
| 2023 | $45,797 | ||
| 2022 | $241,034 Land $60,000 Building $181,034 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 704 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 |
|
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 risk around 704 Lorene 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 69% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 54 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Gateway Fiber, Wisper ISP.
5G (outdoors only) and 4G LTE
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