409 Montbrook Dr, O Fallon, MO 63366 Property Records

St. Charles County property record for 409 Montbrook Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,989 sqft · built 1976
Lot Size	0.3 acres (13,050 sqft)
Owner	2 Individual Names on Record
Last Sale	$375,000 (May 2024)
Tax Bill	$4,505 (2025)
Deeds & Mortgages	May 2024 Mortgage Jan 2024 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`247770A000`

Property Details

APN / Parcel Number

Primary APN	`247770A000`
Alternative APN	`2-057A-4487-00-0004.0000000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,989 sqft Living Area
Gross Area	4,304 sqft
1st Floor Area	2,158 sqft
Basement Area	1,662 sqft
Finished Basement	831 sqft
Unfinished Basement	831 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Roof Type	Gambrel
Roof Material	Asphalt
Lot Area	13,050 sqft (0.3 acres)
Lot Dimensions	174 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	228 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	247770A000
Street Address	409 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 4
Legal Subdivision	WESTWOOD AC #5
Legal Lot Number	4
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	409 MONTBROOK DR, O FALLON, MO 63366-2416
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 3, 2024	Warranty Deed, Transfer · FHA Mortgage PLAINS COMMERCE BANK
Jan 17, 2024	Personal Representative Deed, Transfer KINDER PROPERTIES LLC
Jan 17, 2024	Intrafamily Transfer, Transfer INVESTORS TITLE COMPANY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 3, 2024 · Amount on Record
Deed Sale	May 3, 2024 · Amount on Record
Prior Sale	Jan 17, 2024 · Amount on Record
Deed Document Number	202416934
Record Updated	Oct 29, 2026

May 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	May 3, 2024
Property Address	409 MONTBROOK DR, O FALLON, MO 63366-2416
Document Number	0000016934
Map Reference	MB 13 PG 26
Instrument Date	Apr 25, 2024
Instrument	2024R-016934
Transaction Type	Transfer
Record Updated	May 17, 2024
Title Company	FREEDOM TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 MONTBROOK DR, COTTLEVILLE, MO 63366-2416

Mortgage

Document Number	0000016935
Date	May 3, 2024
Instrument	2024R-016935

Lender

Name	PLAINS COMMERCE BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2054

January 2024: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jan 17, 2024
Property Address	409 MONTBROOK DR, O FALLON, MO 63366-2416
Document Number	0000002111
Map Reference	MB 13 PG 26
Instrument Date	Jan 10, 2024
Instrument	2024R-002111
Transaction Type	Transfer
Record Updated	Jan 30, 2024
Title Company	INVESTORS TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	406 MIDDLETON DR, ASHLAND, MO 65010-9876

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	638 ROLLING MEADOWS DR, MOSCOW MILLS, MO 63362-1602

Mortgage

Document Number	0000002112
Date	Jan 17, 2024
Instrument	2024R-002112

Lender

Name	KINDER PROPERTIES LLC
Type	Non-Lending Institution

Agreement

Amount	Amount Recorded

January 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Jan 17, 2024
Property Address	409 MONTBROOK DR, O FALLON, MO 63366-2416
Document Number	0000002110
Map Reference	MB 13 PG 26
Instrument Date	Jan 5, 2024
Instrument	2024R-002110
Transaction Type	Transfer
Record Updated	Jan 30, 2024
Title Company	INVESTORS TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	406 MIDDLETON DR, ASHLAND, MO 65010-9876

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	638 ROLLING MEADOWS DR, MOSCOW MILLS, MO 63362-1602

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		$70,206 (-)	$369,505 (-) Land $55,000 Building $314,505
2025	$4,505.00	$70,206 (+22.45%)	$369,505 (+22.45%) Land $55,000 Building $314,505
2023		$57,336
2022			$301,769 Land $55,000 Building $246,769

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	Not rated no burnable land within 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 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 372 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Gateway Fiber Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon, Wisper ISP.

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