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

St. Charles County property record for 382 Montclair Tower Dr, Saint Charles, MO 63303

Property Summary

Property Type	Condominium
Details	2 bd · 2 ba · 1,248 sqft · built 2004
Lot Size	0.05 acres (2,178 sqft)
Owner	2 Individual Names on File
Last Sale	$112,500 (Oct 2017)
Tax Bill	$2,377 (2025)
Deeds & Mortgages	Feb 2024 Mortgage Mar 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T040800366`

Property Details

APN / Parcel Number

Primary APN	`T040800366`
Alternative APN	`3-0162-9436-04-018A.0000000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,248 sqft Living Area
1st Floor Area	676 sqft

Exterior

Year Built	Built 2004
Architectural Style	Traditional
Exterior Material	Brick/Stone
Lot Area	2,178 sqft (0.05 acres)
Garage Type	Attached
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	40 sqft
Patio Area	64 sqft

Location & Zoning

Account Number	T040800366
Old Parcel Number	T040800366
Street Address	382 MONTCLAIR TOWER DR
City	SAINT CHARLES
State	MO
Zip	63303-4091
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	MONTCLAIR LOT 4-18A
Legal Range	04E
Legal Township	46N
Legal Subdivision	ENCLAVE AT MONTCLAIR
Legal Lot Number	18A
Jurisdiction	ST CHARLES MO
Township / Civil Division	FRONTIER
Census Block Group	1
Census Block	1012
Census Tract	311001

Owner

382 Montclair Tower Dr, a condominium, is owned by two individuals who bought it in October 2017.

Source: St. Charles County records, as of March 16, 2026

Owner of Record	2 Individual Names on File
Mailing Address	130 BOUQUET CT, O FALLON, MO 63368-6629
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

Date	Document
Feb 27, 2024	Deed of Trust, Mortgage · SBA Mortgage THE HUNTINGTON NATIONAL BANK
Mar 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Oct 16, 2017	Warranty Deed, Transfer · Conventional Mortgage BUSEY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 16, 2017 · Amount on File
Deed Sale	Oct 16, 2017 · Amount on File
Prior Sale	Aug 15, 2005 · Amount on File
Deed Document Number	0068222300
Deed Book / Page	6822 / 2300
Record Updated	Jun 8, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	382 MONTCLAIR TOWER DR, SAINT CHARLES, MO 63303-4091
Transaction Type	Mortgage
Record Updated	Mar 11, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	130 BOUQUET CT, O FALLON, MO 63368-6629

Mortgage

Document Number	0000007277
Date	Feb 27, 2024
Instrument	2024R-007277

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43234

Agreement

Type	SBA Mortgage
Amount	Amount on Record

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	382 MONTCLAIR TOWER DR, SAINT CHARLES, MO 63303-4091
Transaction Type	Mortgage
Record Updated	Aug 9, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0072501576
Date	Mar 18, 2020
Book Page	7250/1576
Instrument	20200318000164790

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Apr 1, 2035

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Oct 16, 2017
Property Address	382 MONTCLAIR TOWER DR, SAINT CHARLES, MO 63303-4091
Document Number	0068222300
Book / Page	6822 / 2300
Map Reference	MB 40 PG 237
Instrument Date	Oct 12, 2017
Instrument	20171016000645370
Transaction Type	Transfer
Record Updated	Aug 9, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8677 COYOTE CREEK DR, 8677, COLORADO SPRINGS, CO 80924-8103

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	130 BOUQUET CT, O FALLON, MO 63368-6629

Mortgage

Document Number	20171016000645380
Date	Oct 16, 2017
Instrument	20171016000645380

Lender

Name	BUSEY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 382 Montclair Tower Dr was $2,377.

Source: St. Charles County assessment roll, as of July 1, 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	$2,377.00	$41,074	$216,181
2023		$36,732
2022			$193,329 Building $193,329

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 382 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 382 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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