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

St. Charles County property record for 272 Montclair Tower Dr, Saint Charles, MO 63303

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,932 sqft · built 2004
Lot Size	0.09 acres (3,920 sqft)
Owner	Individual Name on Record
Last Sale	$240,000 (Oct 2019)
Tax Bill	$3,301 (2024)
Deeds & Mortgages	Jun 2023 Sale Sep 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T040800460`

Property Details

APN / Parcel Number

Primary APN	`T040800460`
Alternative APN	`3-0162-9436-05-0023.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,932 sqft Living Area
Gross Area	3,577 sqft
1st Floor Area	1,277 sqft
Basement Area	1,225 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	3,920 sqft (0.09 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	210 sqft
Patio Area	168 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T040800460
Street Address	272 MONTCLAIR TOWER DR
City	SAINT CHARLES
State	MO
Zip	63303-4087
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MONTCLAIR LOT 5-23
Legal Subdivision	ENCLAVE AT MONTCLAIR
Legal Lot Number	23
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 August 7, 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	272 MONTCLAIR TOWER DR, SAINT CHARLES, MO 63303-4087
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 9, 2023	Beneficiary Deed, Transfer
Sep 1, 2022	Deed of Trust, Mortgage · Line of Credit FIRST COMMUNITY CU
Oct 28, 2019	Warranty Deed, Transfer · Conventional Mortgage FIRST COMMUNITY CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 28, 2019 · Amount on Record
Deed Sale	Oct 28, 2019 · Amount on Record
Prior Sale	Aug 23, 2004 · Amount on Record
Deed Document Number	2019606210
Deed Book / Page	7170 / 529
Last Transfer Date	Jun 7, 2023
Transfer Doc	0000022424
Record Updated	Sep 20, 2026

June 2023: Beneficiary Deed, Transfer

Document Type	Beneficiary Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jun 9, 2023
Property Address	272 MONTCLAIR TOWER DR, SAINT CHARLES, MO 63303-4087
Document Number	0000022424
Map Reference	MB 40 PG 237
Instrument Date	Jun 7, 2023
Instrument	2023R-022424
Transaction Type	Transfer
Record Updated	Jun 22, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	272 MONTCLAIR TOWER DR, SAINT CHARLES, MO 63303-4087

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	272 MONTCLAIR TOWER DR, SAINT CHARLES, MO 63303-4087

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	272 MONTCLAIR TOWER DR, SAINT CHARLES, MO 63303-4087
Transaction Type	Mortgage
Record Updated	Sep 15, 2022
Title Company	TOUCHSTONE TITLE & ABSTRACT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	272 MONTCLAIR TOWER DR, SAINT CHARLES, MO 63303-4087

Mortgage

Document Number	0000048501
Date	Sep 1, 2022
Instrument	2022R-048501

Lender

Name	FIRST COMMUNITY CU
Type	Credit Union
Address	CHESTERFIELD, MO 63005

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	179 Months
Due	Aug 1, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Oct 28, 2019
Property Address	272 MONTCLAIR TOWER DR, SAINT CHARLES, MO 63303-4087
Document Number	0071700529
Book / Page	7170 / 0529
Map Reference	MB 40 PG 237
Instrument Date	Oct 22, 2019
Instrument	20191028000606210
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	INVESTORS TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	15210 CARRIAGE HOUSE CT, 15210, CHESTERFIELD, MO 63017-2490

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	272 MONTCLAIR TOWER DR, SAINT CHARLES, MO 63303-4087

Mortgage

Document Number	20191028000606220
Date	Oct 28, 2019
Instrument	20191028000606220

Lender

Name	FIRST COMMUNITY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Nov 1, 2029

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		$60,688 (-)	$319,413 (-) Land $60,000 Building $259,413
2025		$60,688 (+9.13%)	$319,413 (+9.13%) Land $60,000 Building $259,413
2024	$3,301.00
2023		$55,610
2022			$292,682 Land $40,000 Building $252,682

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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