2 Montclair Estates Cir, Saint Charles, MO 63303 Property Records

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

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 4,161 sqft · built 2004
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on Record
Last Sale	$305,550 (Jul 2015)
Tax Bill	$7,152 (2025)
Deeds & Mortgages	Jun 2020 Mortgage Sep 2019 Sale + 4 more
Flood Zone	Zone X (minimal risk)
APN	`T040800081`

Property Details

APN / Parcel Number

Primary APN	`T040800081`
Alternative APN	`3-0162-9436-02-0006.0000000`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	4,161 sqft Living Area
Gross Area	6,585 sqft
1st Floor Area	2,337 sqft
Basement Area	1,824 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Bi-Level
Exterior Material	Brick/Stone
Lot Area	10,019 sqft (0.23 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	600 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	40 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T040800081
Street Address	2 MONTCLAIR ESTATES CIR
City	SAINT CHARLES
State	MO
Zip	63303-3896
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MONTCLAIR LOT 2-6
Legal Subdivision	ENCLAVE AT MONTCLAIR
Legal Lot Number	6
Jurisdiction	ST CHARLES MO
Township / Civil Division	FRONTIER
Census Block Group	1
Census Block	1005
Census Tract	311001

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	2 MONTCLAIR ESTATES CIR, SAINT CHARLES, MO 63303-3896
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 5, 2020	Deed of Trust, Mortgage FIRST CMNTY CU
Sep 3, 2019	Warranty Deed, Transfer NOT AVAILABLE
Jul 16, 2019	Warranty Deed, Transfer · Line of Credit CARROLLTON BK
Jul 16, 2019	Quit Claim Deed, Transfer NOT AVAILABLE
Sep 3, 2019	Quit Claim Deed, Transfer NOT AVAILABLE
Jul 31, 2017	Deed of Trust, Mortgage CITIZENS NAT'L BK/GREATER ST L

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 6, 2015 · Amount on Record
Deed Sale	Jul 6, 2015 · Amount on Record
Prior Sale	May 16, 2005 · Amount on Record
Deed Document Number	2015434010
Deed Book / Page	6383 / 347
Prior Transfer Date	Mar 18, 2014
Prior Transfer Doc	0063230684
Record Updated	Oct 29, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	2 MONTCLAIR ESTATES CIR, SAINT CHARLES, MO 63303-3896
Document Number	0073201874
Instrument Date	Jun 5, 2020
Transaction Type	Mortgage
Record Updated	Aug 14, 2020
Title Company	TOUCHSTONE TITLE AND ABSTRACT, TOUCHSTONE TITLE & ABSTR

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	476 OLDE COURT RD ST CHARLES MO 633033898, ST CHARLES, MO 63303-3898

Mortgage

Document Number	0073201874
Date	Jun 15, 2020
Book Page	007320/001874
Instrument	404160

Lender

Name	FIRST CMNTY CU
Address	CHESTERFIELD, MO 63005

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Jun 14, 2035

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Sep 3, 2019
Property Address	2 MONTCLAIR ESTATES CIR, SAINT CHARLES, MO 63303-3896
Document Number	0071341022
Book / Page	007134 / 001022
Instrument Date	Jul 15, 2019
Instrument	469440
Transaction Type	Transfer
Record Updated	Oct 3, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$0.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1 INVERNESS CT ST PETERS MO 633761247, ST PETERS, MO 63376-1247
Investor	Possibly a Property Investor

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jul 16, 2019
Property Address	2 MONTCLAIR ESTATES CIR, SAINT CHARLES, MO 63303-3896
Document Number	0071060099
Book / Page	007106 / 000099
Instrument Date	Jul 15, 2019
Instrument	361240
Transaction Type	Transfer
Record Updated	Aug 8, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1 INVERNESS CT ST PETERS MO 633761247, ST PETERS, MO 63376-1247
Investor	Possibly a Property Investor

Mortgage

Document Number	71060103
Date	Jul 16, 2019
Book Page	007106/000103
Instrument	361260

Lender

Name	CARROLLTON BK
Type	Bank
Address	CLAYTON, MO 63105-3860

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

July 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jul 16, 2019
Property Address	2 MONTCLAIR ESTATES CIR, SAINT CHARLES, MO 63303-3896
Document Number	0071060101
Book / Page	007106 / 000101
Instrument Date	Jul 15, 2019
Instrument	361250
Transaction Type	Transfer
Record Updated	Aug 2, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5 OLD HICKORY TRL ST PETERS MO 633766836, ST PETERS, MO 63376-6836

September 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CHARLES MO
Recording Date	Sep 3, 2019
Property Address	2 MONTCLAIR ESTATES CIR, SAINT CHARLES, MO 63303-3896
Document Number	0071341020
Book / Page	007134 / 001020
Instrument Date	Jul 15, 2019
Instrument	469430
Transaction Type	Transfer
Record Updated	Sep 24, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5 OLD HICKORY TRL ST PETERS MO 633766836, ST PETERS, MO 63376-6836

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	2 MONTCLAIR ESTATES CIR, SAINT CHARLES, MO 63303-3896
Document Number	0067872200
Book / Page	006787 / 002200
Instrument Date	Jul 31, 2017
Transaction Type	Mortgage
Record Updated	Aug 14, 2017
Title Company	COMMONWEALTH LAND TITLE INSURANCE, COMMONWEALTH LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2 MONTCLAIR ESTATES CIR ST CHARLES MO 633033896, ST CHARLES, MO 63303-3896

Mortgage

Document Number	0067872200
Date	Aug 7, 2017
Book Page	006787/002200
Instrument	494320

Lender

Name	CITIZENS NAT'L BK/GREATER ST L
Type	Bank
Address	SAINT LOUIS, MO 63143

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Aug 6, 2032

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Municipality	St. Charles City
Unified School District	Francis Howell R-III School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$124,685 (-)	$656,237 (-) Land $75,000 Building $581,237
2025	$7,152.00 (+0.17%)	$124,685 (+3.11%)	$656,237 (+3.11%) Land $75,000 Building $581,237
2024	$7,140.00
2023		$120,919
2022			$636,417 Land $55,000 Building $581,417

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 7 (15% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	36 (1978–2019)
Claims Outside the SFHA	6 of 36
Most Recent Claim	Jun 2019 · Severe Storms, Tornadoes, And Flooding
Claims by Event	Severe Storms, Tornadoes, And Flooding, Jun 2019 · 2 claims Severe Storms, Tornadoes, Hail, Flooding, May 1995 · 4 claims Severe Storms & Flooding, Aug 1993 · 12 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 99.8% of the US · lower than 99.6% 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	ST CHARLES PWS serves 78,961 people · EPA ID MO6010707
Water Source	Purchased surface water from several systems
Last State Inspection	Oct 2024
Lead	Under 1 ppb (2022–2024) 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 390 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile, Wisper ISP.

Nearby Properties on Montclair Estates Cir

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures