St. Charles County property record for 403 Montbrook Dr, O Fallon, MO 63366
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,792 sqft · built 1982 |
| Lot Size | 0.312 acres (13,572 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $320,000 (Oct 2025) |
| Tax Bill | $2,665 (2025) |
| Deeds & Mortgages | Oct 2025 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 247860A000 |
| Primary APN | 247860A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,792 sqft Living Area |
| Gross Area | 2,344 sqft |
| 1st Floor Area | 1,192 sqft |
| Basement Area | 672 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1982 |
|---|---|
| Effective Year Built | Effective 1982 |
| Architectural Style | Bi-Level |
| Exterior Material | Wood |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 13,572 sqft (0.312 acres) |
| Lot Dimensions | 174 ft deep x 78 ft wide |
| Garage Type | Attached |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 265 sqft |
| Deck Area | Deck Area |
| Patio Area | 225 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 247860A000 |
|---|---|
| Street Address | 403 MONTBROOK DR |
| City | O FALLON |
| State | MO |
| Zip | 63366-2416 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AE9 |
| Legal Description | WESTWOOD AC #5 LOT 7 |
| Legal Subdivision | WESTWOOD AC #5 |
| Legal Lot Number | 7 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | WENTZVILLE |
| Census Block Group | 2 |
| Census Block | 2034 |
| Census Tract | 311802 |
403 Montbrook Dr is owned and occupied by two individuals who bought it in October 2025.
Source: St. Charles County records, as of September 11, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 403 MONTBROOK DR, O FALLON, MO 63366-2416 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
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 | 2 Names on Deed |
|---|---|
| Last Sale | Oct 29, 2025 · Amount on File |
| Deed Sale | Oct 29, 2025 · Amount on File |
| Prior Sale | Apr 22, 2025 · Amount on File |
| Deed Document Number | 202548329 |
| Prior Transfer Date | Apr 21, 2025 |
| Prior Transfer Doc | 0000016177 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Oct 29, 2025 |
| Property Address | 403 MONTBROOK DR, O FALLON, MO 63366-2416 |
| Document Number | 0000048329 |
| Map Reference | MB 13 PG 26 |
| Instrument Date | Oct 24, 2025 |
| Instrument | 2025R-048329 |
| Transaction Type | Transfer |
| Record Updated | Nov 13, 2025 |
| Title Company | CHESTERFIELD TITLE AGENCY LLC, CHESTERFIELD TITLE AGCY LLC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 403 MONTBROOK DR, O FALLON, MO 63366-2416 |
| Document Number | 0000048330 |
|---|---|
| Date | Oct 29, 2025 |
| Instrument | 2025R-048330 |
| Name | AMERICAN MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2055 |
The 2025 property tax bill for 403 Montbrook Dr was $2,665, up 2.5% from the year before.
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | O'Fallon City |
| Unified School District | Fort Zumwalt R-II School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $40,761 (-1.24%) | $214,531 (-1.24%) Land $55,000 Building $159,531 | |
| 2025 | $2,665.00 (+2.54%) | $41,273 | $217,224 Land $55,000 Building $162,224 |
| 2024 | $2,599.00 | ||
| 2023 | $39,068 (+18.4%) | ||
| 2022 | $2,362.00 | $32,996 | $205,620 (+18.4%) Land $55,000 Building $150,620 |
| 2021 | $173,662 Land $45,000 Building $128,662 |
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.
FEMA maps place 403 Montbrook Dr in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1979.
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 9 (5% premium discount) |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 5 (1979–2015) |
| Claims Outside the SFHA | 3 of 5 |
| Most Recent Claim | Dec 2015 · Severe Storms, Tornadoes, Straight-line Winds, And Flooding |
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 403 Montbrook 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 96% of the US · lower than 94% of Missouri |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 | OFALLON PWS serves 32,515 people · EPA ID MO6010588 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Aug 2024 |
| Lead | 2 ppb (2023–2025) 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 299 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Gateway Fiber Fiber | 2,000 / 2,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Wisper ISP.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures