232 Montclair Tower Dr, Saint Charles, MO 63303 Property Records

St. Charles County property record for 232 Montclair Tower Dr, Saint Charles, MO 63303

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,919 sqft · built 2004
Lot Size	0.07 acres (3,049 sqft)
Owner	Individual Name on Record
Last Sale	$320,000 (Jan 2023)
Tax Bill	$3,635 (2025)
Deeds & Mortgages	Jan 2023 Mortgage Aug 2022 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T040800470`

Property Details

APN / Parcel Number

Primary APN	`T040800470`
Alternative APN	`3-0162-9436-05-0033.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,919 sqft Living Area
Gross Area	3,577 sqft
1st Floor Area	1,277 sqft
Basement Area	1,225 sqft
Finished Basement	987 sqft
Unfinished Basement	238 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Lot Area	3,049 sqft (0.07 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	210 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T040800470
Street Address	232 MONTCLAIR TOWER DR
City	SAINT CHARLES
State	MO
Zip	63303-4087
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MONTCLAIR LOT 5-33
Legal Subdivision	ENCLAVE AT MONTCLAIR
Legal Lot Number	33
Jurisdiction	ST CHARLES MO
Township / Civil Division	FRONTIER
Census Block Group	1
Census Block	1007
Census Tract	311001

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	232 MONTCLAIR TOWER DR, SAINT CHARLES, MO 63303-4087
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 19, 2023	Deed, Transfer · Conventional Mortgage PEOPLES SAVINGS BANK OF RHINELAND
Aug 1, 2022	Warranty Deed, Transfer TOUCHSTONE TITLE AND ABSTRACT, TOUCHSTONE TITLE & ABSTRACT
Sep 25, 2020	Warranty Deed, Transfer DAS ACQUISITION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 19, 2023 · Amount on Record
Deed Sale	Jan 19, 2023 · Amount on Record
Prior Sale	Aug 1, 2022 · Amount on Record
Deed Document Number	20232268
Record Updated	Oct 29, 2026

January 2023: Deed, Transfer

Document Type	Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jan 19, 2023
Property Address	232 MONTCLAIR TOWER DR, SAINT CHARLES, MO 63303-4087
Document Number	0000002268
Map Reference	MB 40 PG 237
Instrument Date	Jan 12, 2023
Instrument	2023R-002268
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	TOUCHSTONE TITLE AND ABSTRACT, TOUCHSTONE TITLE & ABSTRACT

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2150 E GERMANN RD STE 1, 1, CHANDLER, AZ 85286-1662

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	232 MONTCLAIR TOWER DR, SAINT CHARLES, MO 63303-4087

Mortgage

Document Number	0000002269
Date	Jan 19, 2023
Instrument	2023R-002269

Lender

Name	PEOPLES SAVINGS BANK OF RHINELAND
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2053

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Aug 1, 2022
Property Address	232 MONTCLAIR TOWER DR, SAINT CHARLES, MO 63303-4087
Document Number	0000042473
Map Reference	MB 40 PG 237
Instrument Date	Jul 29, 2022
Instrument	2022R-042473
Transaction Type	Transfer
Record Updated	Jul 1, 2026
Title Company	TOUCHSTONE TITLE AND ABSTRACT, TOUCHSTONE TITLE & ABSTRACT

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	165 QUAIL RUN CIRCLE, VANDALIA, MO 63382

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2150 E GERMANN RD STE 1, 1, CHANDLER, AZ 85286-1662
Investor	Possibly a Property Investor

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Sep 25, 2020
Property Address	232 MONTCLAIR TOWER DR, SAINT CHARLES, MO 63303-4087
Document Number	0000071668
Instrument Date	Jun 3, 2020
Instrument	71668
Transaction Type	Transfer
Record Updated	Dec 23, 2020
Title Company	SYNERGY TITLE

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	232 MONTCLAIR TOWER DR ST CHARLES MO 633034087, ST CHARLES, MO 63303-4087

Mortgage

Document Number	71669
Date	Sep 25, 2020
Instrument	71669

Lender

Name	DAS ACQUISITION
Address	SAINT LOUIS, MO 63141

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 24, 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		$63,105 (-)	$332,133 (-) Land $60,000 Building $272,133
2025	$3,635.00	$63,105 (+9.7%)	$332,133 (+9.7%) Land $60,000 Building $272,133
2023		$57,524
2022			$302,760 Land $40,000 Building $262,760

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 99.1% 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	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 658 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Wisper ISP.

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