2016 Montclair Manor Dr, Saint Charles, MO 63303 Property Records

St. Charles County property record for 2016 Montclair Manor Dr, Saint Charles, MO 63303

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,492 sqft · built 2004
Lot Size	0.26 acres (11,326 sqft)
Owner	Individual Name on Record
Last Sale	$385,000 (Dec 2020)
Tax Bill	$6,142 (2025)
Deeds & Mortgages	Dec 2023 Mortgage Dec 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`T040800153`

Property Details

APN / Parcel Number

Primary APN	`T040800153`
Alternative APN	`3-0162-9436-02-0078.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,492 sqft Living Area
Gross Area	5,628 sqft
1st Floor Area	2,016 sqft
Basement Area	1,476 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	11,326 sqft (0.26 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	660 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	266 sqft
Patio Area	200 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T040800153
Street Address	2016 MONTCLAIR MANOR DR
City	SAINT CHARLES
State	MO
Zip	63303-4078
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MONTCLAIR LOT 2-78
Legal Subdivision	ENCLAVE AT MONTCLAIR
Legal Lot Number	78
Jurisdiction	ST CHARLES MO
Township / Civil Division	FRONTIER
Census Block Group	1
Census Block	1008
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	Individual Name on Record
Mailing Address	2016 MONTCLAIR MANOR DR, SAINT CHARLES, MO 63303-4078
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 15, 2023	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Dec 11, 2020	Warranty Deed, Transfer · FHA Mortgage PARAMOUNT BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 11, 2020 · Amount on Record
Deed Sale	Dec 11, 2020 · Amount on Record
Prior Sale	Dec 14, 2004 · Amount on Record
Deed Document Number	202097670
Record Updated	Oct 29, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	2016 MONTCLAIR MANOR DR, SAINT CHARLES, MO 63303-4078
Transaction Type	Mortgage
Record Updated	Jan 1, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2016 MONTCLAIR MANOR DR, SAINT CHARLES, MO 63303-4078

Mortgage

Document Number	0000050852
Date	Dec 15, 2023
Instrument	2023R-050852

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	325 Months
Due	Jan 1, 2051

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Dec 11, 2020
Property Address	2016 MONTCLAIR MANOR DR, SAINT CHARLES, MO 63303-4078
Document Number	0000097670
Instrument Date	Dec 11, 2020
Instrument	97670
Transaction Type	Transfer
Record Updated	Mar 10, 2021
Title Company	CONTINENTAL, CONTINENTAL TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2016 MONTCLAIR MANOR DR ST CHARLES MO 633034078, ST CHARLES, MO 63303-4078

Mortgage

Document Number	97671
Date	Dec 11, 2020
Instrument	97671

Lender

Name	PARAMOUNT BK
Type	Bank
Address	ST LOUIS, MO 63141

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 10, 2050

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		$106,999 (-)	$563,154 (-) Land $75,000 Building $488,154
2025	$6,142.00	$106,999 (+3.83%)	$563,154 (+3.83%) Land $75,000 Building $488,154
2023		$103,050
2022			$542,367 Land $55,000 Building $487,367

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.

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