397 Moreau Ter, Saint Charles, MO 63303 Property Records

St. Charles County property record for 397 Moreau Ter, Saint Charles, MO 63303

Property Summary

Property Type	Condominium
Details	2 bd · 1.5 ba · 1,248 sqft · built 2004
Lot Size	0.04 acres (1,742 sqft)
Owner	Individual Name on File
Last Sale	$165,500 (Nov 2020)
Tax Bill	$2,377 (2025)
Deeds & Mortgages	Mar 2019 Mortgage Nov 2020 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`T040800380`

Property Details

APN / Parcel Number

Primary APN	`T040800380`
Alternative APN	`3-0162-9436-04-021C.0000000`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,248 sqft Living Area
Gross Area	1,488 sqft
1st Floor Area	676 sqft

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Bi-Level
Exterior Material	Brick/Stone
Lot Area	1,742 sqft (0.04 acres)
Garage Type	Attached
Garage Area	240 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	40 sqft
Patio Area	64 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T040800380
Street Address	397 MOREAU TER
City	SAINT CHARLES
State	MO
Zip	63303-4220
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	MONTCLAIR TWNHMS LOT 21C
Legal Subdivision	ENCLAVE AT MONTCLAIR
Legal Lot Number	21C
Jurisdiction	ST CHARLES MO
Township / Civil Division	FRONTIER
Census Block Group	1
Census Block	1011
Census Tract	311001

Owner

397 Moreau Ter, a condominium, is owned and occupied by an individual who bought it in November 2020.

Source: St. Charles County records, as of August 7, 2026

Owner of Record	Individual Name on File
Mailing Address	397 MOREAU TER, SAINT CHARLES, MO 63303-4220
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

Date	Document
Mar 6, 2019	Deed of Trust, Mortgage · Conventional Mortgage FLAT BRANCH HOME LOANS INC
Nov 16, 2020	Warranty Deed, Transfer FIRST ST BK/ST CHARLES
May 29, 2020	Deed of Trust, Mortgage QUICKEN LNS
May 22, 2018	Warranty Deed, Transfer · Conventional Mortgage KELLER MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 16, 2020 · Amount on File
Deed Sale	Nov 16, 2020 · Amount on File
Prior Sale	Nov 16, 2020 · Amount on File
Deed Document Number	202088389
Record Updated	Oct 29, 2026

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	397 MOREAU TER, SAINT CHARLES, MO 63303-4220
Transaction Type	Mortgage
Record Updated	Aug 9, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0070430588
Date	Mar 6, 2019
Book Page	7043/0588
Instrument	20190306000098550

Lender

Name	FLAT BRANCH HOME LOANS INC
Type	Mortgage Company
Address	COLUMBIA, MO 65201

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Mar 1, 2039

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Nov 16, 2020
Property Address	397 MOREAU TER, SAINT CHARLES, MO 63303-4220
Document Number	0000088389
Instrument Date	Nov 5, 2020
Instrument	88389
Transaction Type	Transfer
Record Updated	Mar 4, 2021
Title Company	TITLE PARTNERS AGENCY LLC, TITLE PTRS AGCY LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
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	397 MOREAU TER ST CHARLES MO 633034220, ST CHARLES, MO 63303-4220

Mortgage

Document Number	88390
Date	Nov 16, 2020
Instrument	88390

Lender

Name	FIRST ST BK/ST CHARLES
Type	Bank
Address	SAINT CHARLES, MO 63301

Agreement

Amount	Amount on Record
Term	360 Months
Due	Nov 15, 2050

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	397 MOREAU TER, SAINT CHARLES, MO 63303-4220
Document Number	0073121266
Instrument Date	May 29, 2020
Transaction Type	Mortgage
Record Updated	Aug 13, 2020
Title Company	OMNIA TITLE CORPORATION, OMNIA TITLE CORP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	397 MOREAU TER ST CHARLES MO 633034220, ST CHARLES, MO 63303-4220

Mortgage

Document Number	0073121266
Date	Jun 4, 2020
Book Page	007312/001266
Instrument	373100

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Amount	Amount on Record
Term	180 Months
Due	Jun 3, 2035

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	May 22, 2018
Property Address	397 MOREAU TER, SAINT CHARLES, MO 63303-4220
Document Number	0069220539
Book / Page	6922 / 0539
Map Reference	MB 40 PG 237
Instrument Date	May 16, 2018
Instrument	20180522000281320
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	CONTINENTAL TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1108 SE 6TH ST, 1108, FORT LAUDERDALE, FL 33301-3014

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	397 MOREAN TER, SAINT CHARLES, MO 63303-4220

Mortgage

Document Number	20180522000281330
Date	May 22, 2018
Instrument	20180522000281330

Lender

Name	KELLER MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 397 Moreau Ter was $2,377.

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		$41,074 (-)	$216,181 (-) Building $216,181
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 397 Moreau Ter 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 Moreau Ter 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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