1. Home
  2. Missouri
  3. St. Charles County
  4. Saint Charles
  5. Montclair Tower Dr

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

St. Charles County property record for 403 Montclair Tower Dr, Saint Charles, MO 63303

Property Summary

Property TypeCondominium
Details2 bd · 3 ba · 1,344 sqft · built 2003
Lot Size0.06 acres (2,614 sqft)
OwnerIndividual Name on Record
Last Sale$195,000 (Mar 2021)
Tax Bill$2,643 (2025)
Deeds & MortgagesMar 2021 Mortgage
Dec 2020 Transfer
Flood ZoneZone X (minimal risk)
APNT040800345

Property Details

APN / Parcel Number

Primary APNT040800345
Alternative APN
  • 3-0162-9436-04-012D.0000000

Interior

Bedrooms2 Beds
Full Baths3 Baths
Half Baths1 Half Bath
Total Rooms4 Rooms
Stories2 Stories
Building Area1,344 sqft Living Area
1st Floor Area764 sqft
Basement Area580 sqft
Finished Basement180 sqft

Exterior

Year BuiltBuilt 2003
Architectural StyleTraditional
Exterior MaterialComposition/Composite
Lot Area2,614 sqft (0.06 acres)
Garage TypeAttached
Parking Spaces1 Parking Space
PorchPorch
Porch Area60 sqft
Patio Area144 sqft

Location & Zoning

Account NumberT040800345
Old Parcel NumberT040800345
Street Address403 MONTCLAIR TOWER DR
CitySAINT CHARLES
StateMO
Zip63303-4095
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Condominium
Legal DescriptionMONTCLAIR LOT 4-12D
Legal Range04E
Legal Township46N
Legal Section00
Legal SubdivisionENCLAVE AT MONTCLAIR
Legal Lot Number12D
JurisdictionST CHARLES MO
Township / Civil DivisionFRONTIER
Census Block Group1
Census Block1006
Census Tract311001

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on Record
Co-ownerCo-owner on Record
Mailing Address403 MONTCLAIR TOWER DR, SAINT CHARLES, MO 63303-4095
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Mar 17, 2021Warranty Deed, Transfer · Conventional Mortgage
GUILD MORTGAGE CO
Dec 17, 2020Quit Claim Deed, Transfer
NOT AVAILABLE

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMar 17, 2021 · Amount on Record
Deed SaleMar 17, 2021 · Amount on Record
Prior SaleDec 17, 2020
Deed Document Number0202123713
Deed Book / Page2021 / 23713
Record UpdatedJun 8, 2026

March 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionST CHARLES MO
Recording DateMar 17, 2021
Property Address403 MONTCLAIR TOWER DR, SAINT CHARLES, MO 63303-4095
Document Number2021R023713
Map ReferenceMB 40 PG 237
Instrument DateMar 12, 2021
Instrument2021R-023713
Transaction TypeTransfer
Record UpdatedAug 9, 2021
Title CompanyUS TITLE

Transaction

Tax$0.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address403 MONTCLAIR TOWER DR, 403, SAINT CHARLES, MO 63303-4095

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address403 MONTCLAIR TOWER DR, SAINT CHARLES, MO 63303-4095

Mortgage

Document Number2021R023714
DateMar 17, 2021
Instrument2021R-023714
Lender
NameGUILD MORTGAGE CO
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueApr 1, 2051

December 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionST CHARLES MO
Recording DateDec 17, 2020
Property Address403 MONTCLAIR TOWER DR, SAINT CHARLES, MO 63303-4095
Document Number0000099173
Instrument DateDec 15, 2020
Instrument99173
Transaction TypeTransfer
Record UpdatedMar 9, 2021
Title CompanyNOT AVAILABLE

Transaction

Tax$0.00
Additional
  • Quitclaim

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address403 MONTCLAIR TOWER DR ST CHARLES MO 633034095, ST CHARLES, MO 63303-4095

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateMissouri
CountySt. Charles County
MunicipalitySt. Charles City
Unified School DistrictFrancis Howell R-III School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$2,643.00$45,725 (+10.39%)$240,656 (+10.39%)
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

Source: FEMA National Flood Hazard Layer, effective August 25, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 7 (15% premium discount)
Nearby Flood Policies2 in force
Nearby Flood Claims36 (1978–2019)
Claims Outside the SFHA6 of 36
Most Recent ClaimJun 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 99.8% of the US · lower than 99.6% of Missouri
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemST CHARLES PWS
serves 78,961 people · EPA ID MO6010707
Water SourcePurchased surface water from several systems
Last State InspectionOct 2024
LeadUnder 1 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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

ProviderMax 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