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

St. Charles County property record for 377 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	0.05 acres (2,178 sqft)
Owner	Individual Name on Record
Tax Bill	$2,519 (2025)
Deeds & Mortgages	May 2026 Sale Oct 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`T040800334`

Property Details

APN / Parcel Number

Primary APN	`T040800334`
Alternative APN	`3-0162-9436-04-010A.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	2,178 sqft (0.05 acres)
Garage Type	Attached
Garage Area	240 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	60 sqft
Patio Area	64 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T040800334
Street Address	377 MONTCLAIR TOWER DR
City	SAINT CHARLES
State	MO
Zip	63303-4093
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	MONTCLAIR LOT 4-10A
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

Source: St. Charles County records, as of May 27, 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	377 MONTCLAIR TOWER DR, SAINT CHARLES, MO 63303-4093
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
May 14, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Oct 20, 2017	Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 14, 2026
Deed Sale	May 14, 2026
Prior Sale	Oct 20, 2017 · Amount on Record
Deed Document Number	202622575
Prior Transfer Date	Jan 20, 2009
Prior Transfer Doc	0000076660
Record Updated	Sep 20, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	May 14, 2026
Property Address	377 MONTCLAIR TOWER DR, SAINT CHARLES, MO 63303-4093
Document Number	0000022575
Instrument Date	May 13, 2026
Instrument	202622575
Transaction Type	Transfer
Record Updated	Aug 6, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	377 MONTCLAIR TOWER DR, SAINT CHARLES, MO 63303-4093

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Oct 20, 2017
Property Address	377 MONTCLAIR TOWER DR, SAINT CHARLES, MO 63303-4093
Document Number	0068261505
Book / Page	006826 / 001505
Instrument Date	Oct 18, 2017
Instrument	661320
Transaction Type	Transfer
Record Updated	Nov 24, 2017
Title Company	TITLE PARTNERS AGENCY LLC, TITLE PTRS AGCY LLC

Transaction

Amount	Amount Recorded
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	377 MONTCLAIR TOWER DR ST CHARLES MO 633034093, ST CHARLES, MO 63303-4093

Mortgage

Document Number	68261507
Date	Oct 20, 2017
Book Page	006826/001507
Instrument	661330

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 19, 2047

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of August 13, 2025

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
2025	$2,519.00 (+7.28%)	$43,559 (+10.54%)	$229,256 (+10.54%) Building $229,256
2024	$2,348.00
2023		$39,405
2022			$207,396 Building $207,396

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 99.8% 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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