St. Charles County property record for 232 Montrose Ct, O Fallon, MO 63368
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3.5 ba · 3,336 sqft · built 2018 |
| Lot Size | 0.171 acres (7,466 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $615,000 (May 2026) |
| Tax Bill | $6,889 (2025) |
| Deeds & Mortgages | May 2026 Sale & Mortgage Oct 2024 Mortgage + 3 more |
| Flood Zone | Zone X (moderate risk) |
| APN | T171600077 |
| Primary APN | T171600077 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 3,336 sqft Living Area |
| Gross Area | 4,918 sqft |
| 1st Floor Area | 2,154 sqft |
| Basement Area | 2,154 sqft |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 7,466 sqft (0.171 acres) |
| Garage Type | Attached |
| Garage Area | 610 sqft |
| Parking Spaces | 2 Parking Spaces |
| Sewer | Connected |
|---|
| Account Number | T171600077 |
|---|---|
| Street Address | 232 MONTROSE CT |
| City | O FALLON |
| State | MO |
| Zip | 63368-7733 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | VLGS AT MONTRACHET #2 LOT 20B |
| Legal Subdivision | VLGS AT MONTRACHET #2 |
| Legal Lot Number | 20B |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | BOONE |
| Census Block Group | 1 |
| Census Block | 1022 |
| Census Tract | 311154 |
Source: St. Charles County records, as of September 14, 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 | 232 MONTROSE CT, O FALLON, MO 63368-7733 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Couple |
| Date | Document |
|---|---|
| May 11, 2026 | Warranty Deed, Transfer · Conventional Mortgage ACCESS CAPITAL FUNDING LLC |
| Oct 23, 2024 | Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO |
| Nov 23, 2020 | Deed of Trust, Mortgage · Conventional Mortgage DELMAR FINANCIAL CO |
| Oct 30, 2019 | Intrafamily Transfer, Transfer · Conventional Mortgage US BANK NA |
| May 3, 2018 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 11, 2026 · Amount on Record |
| Deed Sale | May 11, 2026 · Amount on Record |
| Prior Sale | Oct 23, 2024 · Amount on Record |
| Deed Document Number | 202621982 |
| Prior Transfer Date | Sep 27, 2019 |
| Prior Transfer Doc | 0000614980 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | May 11, 2026 |
| Property Address | 232 MONTROSE CT, O FALLON, MO 63368-7733 |
| Document Number | 0000021982 |
| Instrument Date | May 7, 2026 |
| Instrument | 202621982 |
| Transaction Type | Transfer |
| Record Updated | Aug 6, 2026 |
| Title Company | CHESTERFIELD TITLE AGENCY LLC, CHESTERFIELD TITLE AGENCY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 232 MONTROSE CT, O FALLON, MO 63368-7733 |
| Document Number | 0000021983, |
|---|---|
| Date | May 11, 2026 |
| Instrument | 202621983 |
| Name | ACCESS CAPITAL FUNDING LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.38% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Oct 23, 2024 |
| Property Address | 232 MONTROSE CT, O FALLON, MO 63368-7733 |
| Document Number | 0000044123 |
| Map Reference | MB 49 PG 40 |
| Instrument Date | Oct 17, 2024 |
| Instrument | 2024R-044123 |
| Transaction Type | Transfer |
| Record Updated | May 29, 2026 |
| Title Company | INVESTORS TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4260 HOLT RD, WENTZVILLE, MO 63385-6109 |
| Name | Verified Name |
|---|---|
| Address | 232 MONTROSE CT, O FALLON, MO 63368-7733 |
| Document Number | 0000044124 |
|---|---|
| Date | Oct 23, 2024 |
| Instrument | 2024R-044124 |
| Name | GUILD MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 232 MONTROSE CT, O FALLON, MO 63368-7733 |
| Transaction Type | Mortgage |
| Record Updated | Oct 4, 2022 |
| Title Company | INVESTORS TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 232 MONTROSE CT, O FALLON, MO 63368-7733 |
| Document Number | 0000091052 |
|---|---|
| Date | Nov 23, 2020 |
| Instrument | 2020R-091052 |
| Name | DELMAR FINANCIAL CO |
|---|---|
| Type | Funding / Finance Company |
| Address | SAINT LOUIS, MO 63141 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2050 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Oct 30, 2019 |
| Property Address | 232 MONTROSE CT, O FALLON, MO 63368-7733 |
| Document Number | 0000614980 |
| Book / Page | 7172 / 1427 |
| Map Reference | MB 49 PG 40 |
| Instrument Date | Sep 27, 2019 |
| Instrument | 20191030000614980 |
| Transaction Type | Transfer |
| Record Updated | Oct 4, 2022 |
| Title Company | SERVICELINK |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 232 MONTROSE CT, O FALLON, MO 63368-7733 |
| Document Number | 0000614990 |
|---|---|
| Date | Oct 30, 2019 |
| Instrument | 20191030000614990 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.62% |
| Type Change Date | Nov 1, 2029 |
| Change Frequency | Annually |
| Min Rate At Change | 2.25% |
| Max Rate At Change | 8.62% |
| Index | 1-Year LIBOR |
| Max Rate | 8.62% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | May 3, 2018 |
| Property Address | 232 MONTROSE CT, O FALLON, MO 63368-7733 |
| Document Number | 0069141727 |
| Book / Page | 6914 / 1727 |
| Map Reference | MB 49 PG 40 |
| Instrument Date | Apr 30, 2018 |
| Instrument | 20180503000246260 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Feb 6, 2021 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 10407 BAUR BLVDB, 10407, SAINT LOUIS, MO 63132 |
| Name | Verified Name |
|---|---|
| Address | 232 MONTROSE CT, O FALLON, MO 63368-7733 |
| Document Number | 0000000000 |
|---|---|
| Date | May 3, 2018 |
| Instrument | 20180503000246270 |
| Type | Bank |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2048 |
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | O'Fallon City |
| Unified School District | Fort Zumwalt R-II School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $107,709 (-) | $566,888 (-) Building $566,888 | |
| 2025 | $6,889.00 (+4.24%) | $107,709 (+7.33%) | $566,888 (+7.33%) Building $566,888 |
| 2024 | $6,609.00 | ||
| 2023 | $100,357 | ||
| 2022 | $528,193 Building $528,193 |
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.
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 2 in force |
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.
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 | 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 | ST CHARLES COUNTY PWSD 2 serves 100,587 people · EPA ID MO6024530 |
|---|---|
| Water Source | Purchased surface water from ST LOUIS CITY PWS |
| Last State Inspection | Aug 2023 |
| Lead | 2 ppb (2026) 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 267 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Gateway Fiber Fiber | 2,000 / 2,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Wisper ISP Fixed Wireless | 400 / 30 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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