405 Montbrook Dr, O Fallon, MO 63366 Property Records

St. Charles County property record for 405 Montbrook Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,243 sqft · built 1985
Lot Size	0.277 acres (12,060 sqft)
Owner	Company Name on Record
Last Sale	$250,000 (Jul 2021)
Tax Bill	$3,361 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Jul 2021 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`247830A000`

Property Details

APN / Parcel Number

Primary APN	`247830A000`
Alternative APN	`2-057A-4487-00-0006.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,243 sqft Living Area
Gross Area	2,956 sqft
1st Floor Area	1,812 sqft
Basement Area	616 sqft
Finished Basement	431 sqft
Unfinished Basement	185 sqft

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,060 sqft (0.277 acres)
Lot Dimensions	201 ft deep x 60 ft wide
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	247830A000
Street Address	405 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 6
Legal Subdivision	WESTWOOD AC #5
Legal Lot Number	6
Jurisdiction	ST CHARLES MO
Township / Civil Division	WENTZVILLE
Census Block Group	2
Census Block	2034
Census Tract	311802

Owner

Source: St. Charles County records, as of September 10, 2026

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

Owner of Record	Company Name on Record
Mailing Address	600 GALLERIA PKWY SE, 300, ATLANTA, GA 30339-8146
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Mar 25, 2022	Deed of Trust, Mortgage · Commercial Mortgage MORGAN STANLEY MORTGAGE CAPITAL HOLDINGS
Jul 8, 2021	Warranty Deed, Transfer
Feb 26, 2021	Deed of Trust, Mortgage · FHA Mortgage BROKER SOLUTIONS INC
Mar 12, 2020	Deed of Trust, Mortgage · FHA Mortgage BROKER SOLUTIONS
Feb 22, 2019	Warranty Deed, Transfer · Conventional Mortgage BROKER SOLUTIONS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 8, 2021 · Amount on Record
Deed Sale	Jul 8, 2021 · Amount on Record
Prior Sale	Feb 22, 2019 · Amount on Record
Deed Document Number	202157402
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	405 MONTBROOK DR, O FALLON, MO 63366-2416
Transaction Type	Mortgage
Record Updated	Apr 7, 2022
Title Company	OS NATIONAL LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000017358
Date	Mar 25, 2022
Instrument	2022R-017358

Lender

Name	MORGAN STANLEY MORTGAGE CAPITAL HOLDINGS
Type	Mortgage Company
Address	NEW YORK, NY 10036

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jul 8, 2021
Property Address	405 MONTBROOK DR, O FALLON, MO 63366-2416
Document Number	2021R057402
Map Reference	MB 13 PG 26
Instrument Date	Jul 2, 2021
Instrument	2021R-057402
Transaction Type	Transfer
Record Updated	Jul 22, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1850 PARKWAY PL SE STE 900, 900, MARIETTA, GA 30067-8261
Investor	Possibly a Property Investor

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	405 MONTBROOK DR, O FALLON, MO 63366-2416
Transaction Type	Mortgage
Record Updated	Mar 24, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 MONTBROOK DR, O FALLON, MO 63366-2416

Mortgage

Document Number	2021R017173
Date	Feb 26, 2021
Instrument	2021R-017173

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company
Address	TUSTIN, CA 92780

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	405 MONTBROOK DR, O FALLON, MO 63366-2416
Document Number	0072492285
Instrument Date	Mar 12, 2020
Transaction Type	Mortgage
Record Updated	Jun 29, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	405 MONTBROOK DR O FALLON MO 633662416, O FALLON, MO 63366-2416

Mortgage

Document Number	0072492285
Date	Mar 17, 2020
Book Page	007249/002285
Instrument	162600

Lender

Name	BROKER SOLUTIONS
Address	TUSTIN, CA 92780

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 16, 2050

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Feb 22, 2019
Property Address	405 MONTBROOK DR, O FALLON, MO 63366-2416
Document Number	0070381081
Book / Page	7038 / 1081
Map Reference	MB 13 PG 26
Instrument Date	Feb 21, 2019
Instrument	20190222000079070
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	FREEDOM TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 MONTBROOK DR, O FALLON, MO 63366-2416

Mortgage

Document Number	20190222000079080
Date	Feb 22, 2019
Instrument	20190222000079080

Lender

Name	BROKER SOLUTIONS INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2049

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Municipality	O'Fallon City
Unified School District	Fort Zumwalt R-II School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$52,223 (-)	$274,857 (-) Land $55,000 Building $219,857
2025	$3,361.00	$52,223 (+7.77%)	$274,857 (+7.77%) Land $55,000 Building $219,857
2023		$48,457
2022			$255,037 Land $55,000 Building $200,037

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 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

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.

Drinking Water

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

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 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.

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