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

St. Charles County property record for 345 Montclair Tower Dr, Saint Charles, MO 63303

Property Summary

Property Type	Condominium
Details	2 bd · 1.5 ba · 1,344 sqft · built 2004
Lot Size	0.04 acres (1,742 sqft)
Owner	2 Individual Names on File
Last Sale	$175,000 (Mar 2022)
Tax Bill	$2,553 (2025)
Deeds & Mortgages	Mar 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`T040800322`

Property Details

APN / Parcel Number

Primary APN	`T040800322`
Alternative APN	`3-0162-9436-04-006C.0000000`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	1,344 sqft Living Area
Gross Area	2,164 sqft
1st Floor Area	764 sqft
Basement Area	580 sqft

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Lot Area	1,742 sqft (0.04 acres)
Garage Type	Attached
Garage Area	240 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Porch
Porch Area	60 sqft
Deck Area	Deck Area
Patio Area	208 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T040800322
Street Address	345 MONTCLAIR TOWER DR
City	SAINT CHARLES
State	MO
Zip	63303-4093
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	MONTCLAIR LOT 4-6C
Legal Subdivision	ENCLAVE AT MONTCLAIR
Legal Lot Number	4
Jurisdiction	ST CHARLES MO
Township / Civil Division	FRONTIER
Census Block Group	1
Census Block	1005
Census Tract	311001

Owner

345 Montclair Tower Dr, a condominium, is owned and occupied by two individuals who bought it in March 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	345 MONTCLAIR TOWER DR, SAINT CHARLES, MO 63303-4093
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 16, 2022 · Amount on File
Deed Sale	Mar 16, 2022 · Amount on File
Prior Sale	Dec 8, 2006 · Amount on File
Deed Document Number	202215412
Record Updated	Oct 29, 2026

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Mar 16, 2022
Property Address	345 MONTCLAIR TOWER DR, SAINT CHARLES, MO 63303-4093
Document Number	0000015412
Map Reference	MB 40 PG 237-243
Instrument Date	Mar 9, 2022
Instrument	2022R-015412
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	FREEDOM TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	345 MONTCLAIR TOWER DR, SAINT CHARLES, MO 63303-4093

Mortgage

Document Number	0000015413
Date	Mar 16, 2022
Instrument	2022R-015413

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 345 Montclair Tower Dr was $2,553.

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		$44,154 (-)	$232,390 (-) Building $232,390
2025	$2,553.00	$44,154	$232,390
2023		$39,963
2022			$210,331 Building $210,331

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

FEMA maps place 345 Montclair Tower Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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

Wildfire risk around 345 Montclair Tower Dr is low, with less than a 0.01% annual chance of 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 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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