St. Charles County property record for 398 Montclair Tower Dr, Saint Charles, MO 63303
| Property Type | Condominium |
|---|---|
| Details | 2 bd · 2 ba · 1,248 sqft · built 2004 |
| Lot Size | 0.039 acres (1,742 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,380 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | T040800360 |
| Primary APN | T040800360 |
|---|---|
| Alternative APN |
|
| 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 |
| Year Built | Built 2004 |
|---|---|
| Architectural Style | Traditional |
| Exterior Material | Brick/Stone |
| Lot Area | 1,742 sqft (0.039 acres) |
| Garage Type | Attached |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
| Porch Area | 40 sqft |
| Patio Area | 120 sqft |
| Account Number | T040800360 |
|---|---|
| Old Parcel Number | T040800360 |
| Street Address | 398 MONTCLAIR TOWER DR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63303-4091 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Legal Description | MONTCLAIR LOT 4-16C |
| Legal Range | 04E |
| Legal Township | 46N |
| Legal Subdivision | ENCLAVE AT MONTCLAIR |
| Legal Lot Number | 16C |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | FRONTIER |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 311001 |
398 Montclair Tower Dr, a condominium, is owned and occupied by two individuals who acquired it in July 2016.
Source: St. Charles County records, as of March 16, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 398 MONTCLAIR TOWER DR, SAINT CHARLES, MO 63303-4091 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 11, 2016 |
| Deed Sale | Jul 11, 2016 |
| Prior Sale | Sep 1, 2006 · Amount on File |
| Deed Document Number | 20160711000431680 |
| Deed Book / Page | 4569 / 1398 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 398 Montclair Tower Dr was $2,380.
Source: St. Charles County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | St. Charles City |
| Unified School District | Francis Howell R-III School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,380.00 | $41,128 | $216,461 |
| 2023 | $36,781 | ||
| 2022 | $193,586 Building $193,586 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 398 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 |
|
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 risk around 398 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.
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 |
| 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.
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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