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

St. Charles County property record for 397 Montclair Tower Dr, Saint Charles, MO 63303

Property Summary

Property Type	Condominium
Details	2 bd · 3.5 ba · 1,674 sqft · built 2003
Lot Size	0.05 acres (2,178 sqft)
Owner	Individual Name on File
Last Sale	$257,000 (Dec 2025)
Tax Bill	$2,643 (2025)
Deeds & Mortgages	Dec 2025 Mortgage May 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`T040800342`

Property Details

APN / Parcel Number

Primary APN	`T040800342`
Alternative APN	`3-0162-9436-04-012A.0000000`

Interior

Bedrooms	2 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	1,674 sqft Living Area
Gross Area	2,164 sqft
1st Floor Area	764 sqft
Basement Area	580 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
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	Slab
Porch Area	60 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas

Location & Zoning

Account Number	T040800342
Street Address	397 MONTCLAIR TOWER DR
City	SAINT CHARLES
State	MO
Zip	63303-4094
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	MONTCLAIR LOT 4-12A
Legal Subdivision	ENCLAVE AT MONTCLAIR
Legal Lot Number	4
Jurisdiction	ST CHARLES MO
Township / Civil Division	FRONTIER
Census Block Group	1
Census Block	1006
Census Tract	311001

Owner

397 Montclair Tower Dr, a condominium, is owned and occupied by an individual who bought it in December 2025.

Source: St. Charles County records, as of September 14, 2026

Owner of Record	Individual Name on File
Mailing Address	397 MONTCLAIR TOWER DR, SAINT CHARLES, MO 63303-4094
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

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
Dec 30, 2025	Warranty Deed, Transfer · Conventional Mortgage BANK OF AMERICA NA
May 24, 2017	Deed of Trust, Mortgage · FHA Mortgage FINANCE OF AMERICA REVERSE
May 24, 2017	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Mar 1, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 30, 2025 · Amount on File
Deed Sale	Dec 30, 2025 · Amount on File
Prior Sale	Aug 4, 2025 · Amount on File
Deed Document Number	202558623
Prior Transfer Date	Aug 16, 2016
Prior Transfer Doc	0000125920
Record Updated	Oct 29, 2026

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Dec 30, 2025
Property Address	397 MONTCLAIR TOWER DR, SAINT CHARLES, MO 63303-4094
Document Number	0000058623
Map Reference	MB 40 PG 237
Instrument Date	Dec 23, 2025
Instrument	2025R-058623
Transaction Type	Transfer
Record Updated	Jan 14, 2026
Title Company	DUNE TITLE COMPANY LLC, TRUE TITLE COMPANY LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	72 ANCESTRY CT, SAINT PETERS, MO 63376-2277

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	397 MONTCLAIR TOWER DR, SAINT CHARLES, MO 63303-4094

Mortgage

Document Number	0000058624
Date	Dec 30, 2025
Instrument	2025R-058624

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2056

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	397 MONTCLAIR TOWER DR, SAINT CHARLES, MO 63303-4094
Document Number	0067540368
Instrument Date	May 24, 2017
Transaction Type	Mortgage
Record Updated	Jun 13, 2017
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	397 MONTCLAIR TOWER DR ST CHARLES MO 633034094, ST CHARLES, MO 63303-4094

Mortgage

Document Number	0067540368
Date	Jun 5, 2017
Book Page	006754/000368
Instrument	341200

Lender

Name	FINANCE OF AMERICA REVERSE
Address	TULSA, OK 74137

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	1056 Months

Interest

Rate Type	Adjustable Rate
Rate	3.51%

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	397 MONTCLAIR TOWER DR, SAINT CHARLES, MO 63303-4094
Document Number	0067540386
Instrument Date	May 24, 2017
Transaction Type	Mortgage
Record Updated	Jan 9, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	397 MONTCLAIR TOWER DR ST CHARLES MO 633034094, ST CHARLES, MO 63303-4094

Mortgage

Document Number	0067540386
Date	Jun 5, 2017
Book Page	006754/000386
Instrument	341210

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	1056 Months

Interest

Rate Type	Adjustable Rate
Rate	3.51%

March 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CHARLES MO
Recording Date	Mar 1, 2017
Property Address	397 MONTCLAIR TOWER DR, SAINT CHARLES, MO 63303-4094
Document Number	0067052371
Book / Page	006705 / 002371
Instrument Date	Aug 19, 2016
Instrument	125920
Transaction Type	Transfer
Record Updated	Mar 9, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	397 MONTCLAIR TOWER DR ST CHARLES MO 633034094, ST CHARLES, MO 63303-4094

Tax Assessment & Valuation

The 2025 property tax bill for 397 Montclair Tower Dr was $2,643, up 7.1% from the year before.

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		$45,725 (-)	$240,656 (-) Building $240,656
2025	$2,643.00 (+7.13%)	$45,725	$240,656 Building $240,656
2024	$2,467.00
2023		$41,420
2022			$217,998 Building $217,998

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 397 Montclair Tower Dr in Zone X, an area of minimal flood risk, though there have been 36 flood claims nearby since 1978.

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
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 397 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.

Nearby Properties on Montclair Tower Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures