2 Montclair Ct, Saint Charles, MO 63303 Property Records

St. Charles County property record for 2 Montclair Ct, Saint Charles, MO 63303

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,625 sqft · built 1968
Lot Size	0.134 acres (5,828 sqft)
Owner	Individual Name on Record
Last Sale	$245,000 (Jul 2022)
Tax Bill	$2,196 (2025)
Deeds & Mortgages	Jul 2022 Mortgage Jun 2022 Second Mortgage
Flood Zone	Zone X (minimal risk)
APN	`489960A000`

Property Details

APN / Parcel Number

Primary APN	`489960A000`
Alternative APN	`3-0015-4190-00-0015.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,625 sqft Living Area
Gross Area	2,379 sqft
1st Floor Area	1,131 sqft
Basement Area	988 sqft
Finished Basement	494 sqft
Unfinished Basement	494 sqft

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Architectural Style	Ranch
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	5,828 sqft (0.134 acres)
Lot Dimensions	124 ft deep x 47 ft wide
Garage Type	Attached
Garage Area	260 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Porch
Porch Area	90 sqft
Deck Area	Deck Area
Patio Area	188 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	489960A000
Street Address	2 MONTCLAIR CT
City	SAINT CHARLES
State	MO
Zip	63303-6322
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	WESTCHESTER EST LOT 15
Legal Subdivision	WESTCHESTER EST
Legal Lot Number	15
Jurisdiction	ST CHARLES MO
Township / Civil Division	HARVESTER
Census Block Group	2
Census Block	2005
Census Tract	311147

Owner

Source: St. Charles County records, as of September 10, 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	2 MONTCLAIR CT, SAINT CHARLES, MO 63303-6322
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 13, 2022	Warranty Deed, Transfer · Conventional Mortgage NEIGHBORS BANK
Jun 2, 2022	Intrafamily Transfer, Transfer · Stand-Alone Second Mortgage GUILD MORTGAGE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 13, 2022 · Amount on Record
Deed Sale	Jul 13, 2022 · Amount on Record
Prior Sale	Jun 2, 2022 · Amount on Record
Deed Document Number	202238904
Prior Transfer Date	May 23, 2022
Prior Transfer Doc	0000031081
Record Updated	Oct 29, 2026

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jul 13, 2022
Property Address	2 MONTCLAIR CT, SAINT CHARLES, MO 63303-6322
Document Number	0000038904
Map Reference	MB 11 PG 28
Instrument Date	Jul 12, 2022
Instrument	2022R-038904
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	TITLE PARTNERS AGENCY LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	59 CRESCENT HILLS DR, SAINT PETERS, MO 63376-4435

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2 MONTCLAIR CT, SAINT CHARLES, MO 63303-6322
Investor	Possibly a Property Investor

Mortgage

Document Number	0000038905
Date	Jul 13, 2022
Instrument	2022R-038905

Lender

Name	NEIGHBORS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2052

June 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Jun 2, 2022
Property Address	2 MONTCLAIR CT, SAINT CHARLES, MO 63303-6322
Document Number	0000031081
Map Reference	MB 11 PG 28
Instrument Date	May 23, 2022
Instrument	2022R-031081
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	INVESTORS TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2 MONTCLAIR CT, SAINT CHARLES, MO 63303-6322

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2 MONTCLAIR CT, SAINT CHARLES, MO 63303-6322

Mortgage

Document Number	0000031082
Date	Jun 2, 2022
Instrument	2022R-031082

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	6 Months
Due	Dec 1, 2022

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	Francis Howell R-III School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$36,369 (-)	$191,418 (-) Land $50,000 Building $141,418
2025	$2,196.00	$36,369 (+15.05%)	$191,418 (+15.05%) Land $50,000 Building $141,418
2023		$31,611
2022			$166,372 Land $40,000 Building $126,372

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 99.1% of the US · lower than 98.2% of Missouri
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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	MO AMERICAN ST LOUIS ST CHARLES COUNTIES private · serves 1,111,000 people · EPA ID MO6010716
Water Source	Surface water
Last State Inspection	Feb 2024
Lead	Under 1 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	None 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 157 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: Verizon.

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