St. Charles County property record for 407 Montclair Tower Dr, Saint Charles, MO 63303
| Property Type | Condominium |
|---|---|
| Details | 2 bd · 3 ba · 1,866 sqft · built 2003 |
| Lot Size | 0.11 acres (4,792 sqft) |
| Owner | Individual Name on File |
| Last Sale | $245,000 (Jun 2023) |
| Tax Bill | $2,686 (2025) |
| Deeds & Mortgages | Jun 2023 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | T040800346 |
| Primary APN | T040800346 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 4 Rooms |
| Stories | 2 Stories |
| Building Area | 1,866 sqft Living Area |
| Gross Area | 2,164 sqft |
| 1st Floor Area | 764 sqft |
| Basement Area | 580 sqft |
| Finished Basement | 522 sqft |
| Unfinished Basement | 58 sqft |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Architectural Style | Bi-Level |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 4,792 sqft (0.11 acres) |
| Garage Type | Attached |
| Garage Area | 240 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Porch Area | 60 sqft |
| Patio Area | 144 sqft |
| Heating Fuel | Gas |
|---|---|
| Sewer | Connected |
| Account Number | T040800346 |
|---|---|
| Street Address | 407 MONTCLAIR TOWER DR |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63303-4095 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Condominium |
| Legal Description | MONTCLAIR LOT 4-13A |
| Legal Subdivision | ENCLAVE AT MONTCLAIR |
| Legal Lot Number | 4 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | FRONTIER |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 311001 |
407 Montclair Tower Dr, a condominium, is owned and occupied by an individual who bought it in June 2023.
Source: St. Charles County records, as of September 10, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 407 MONTCLAIR TOWER DR, SAINT CHARLES, MO 63303-4095 |
| 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 | Jun 21, 2023 · Amount on File |
| Deed Sale | Jun 21, 2023 · Amount on File |
| Prior Sale | Sep 6, 2017 · Amount on File |
| Deed Document Number | 202323943 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jun 21, 2023 |
| Property Address | 407 MONTCLAIR TOWER DR, SAINT CHARLES, MO 63303-4095 |
| Document Number | 0000023943 |
| Map Reference | MB 40 PG 237 |
| Instrument Date | Jun 16, 2023 |
| Instrument | 2023R-023943 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2024 |
| Title Company | CONTINENTAL, CONTINENTAL TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5216 WOOSENCRAFT DR, WENTZVILLE, MO 63385-4693 |
| Name | Verified Name |
|---|---|
| Address | 407 MONTCLAIR TOWER DR, SAINT CHARLES, MO 63303-4095 |
| Document Number | 0000023944 |
|---|---|
| Date | Jun 21, 2023 |
| Instrument | 2023R-023944 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2053 |
The 2025 property tax bill for 407 Montclair Tower Dr was $2,686.
Source: St. Charles County assessment roll, as of August 7, 2026
| 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 |
|---|---|---|---|
| 2026 | $46,485 (-) | $244,656 (-) Building $244,656 | |
| 2025 | $2,686.00 | $46,485 | $244,656 |
| 2023 | $41,243 (+25.86%) | ||
| 2022 | $2,100.00 | $32,769 | $217,068 (+25.86%) Building $217,068 |
| 2021 | $172,467 |
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 407 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 407 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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