409 Moreau Ter, Saint Charles, MO 63303 Property Records

St. Charles County property record for 409 Moreau Ter, Saint Charles, MO 63303

Property Summary

Property Type	Condominium
Details	2 bd · 1.5 ba · 1,248 sqft · built 2003
Lot Size	0.05 acres (2,178 sqft)
Owner	Individual Name on Record
Last Sale	$218,000 (Aug 2025)
Tax Bill	$2,380 (2025)
Deeds & Mortgages	May 2021 Sale Sep 2018 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T040800385`

Property Details

APN / Parcel Number

Primary APN	`T040800385`
Alternative APN	`3-0162-9436-04-022D.0000000`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,248 sqft Living Area
Gross Area	1,488 sqft
1st Floor Area	676 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Bi-Level
Exterior Material	Brick/Stone
Lot Area	2,178 sqft (0.05 acres)
Garage Type	Attached
Garage Area	240 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	40 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T040800385
Street Address	409 MOREAU TER
City	SAINT CHARLES
State	MO
Zip	63303-4219
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	MONTCLAIR TWNHMS LOT 22D
Legal Subdivision	ENCLAVE AT MONTCLAIR
Legal Lot Number	22D
Jurisdiction	ST CHARLES MO
Township / Civil Division	FRONTIER
Census Block Group	1
Census Block	1011
Census Tract	311001

Owner

Source: St. Charles County records, as of September 14, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	409 MOREAU TER, SAINT CHARLES, MO 63303-4219
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
May 17, 2021	Beneficiary Deed, Transfer
Sep 18, 2018	Warranty Deed, Transfer INVESTORS TITLE COMPANY
Sep 27, 2017	Warranty Deed, Transfer · Conventional Mortgage FIRST COMMUNITY CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 22, 2025 · Amount on Record
Deed Sale	Aug 22, 2025 · Amount on Record
Prior Sale	Aug 22, 2025 · Amount on Record
Deed Document Number	202536820
Prior Transfer Date	Aug 15, 2025
Prior Transfer Doc	0000036820
Record Updated	Oct 29, 2026

May 2021: Beneficiary Deed, Transfer

Document Type	Beneficiary Deed
Jurisdiction	ST CHARLES MO
Recording Date	May 17, 2021
Property Address	409 MOREAU TER, SAINT CHARLES, MO 63303-4219
Document Number	2021R042626
Map Reference	MB 40 PG 237
Instrument Date	May 13, 2021
Instrument	2021R-042626
Transaction Type	Transfer
Record Updated	Aug 9, 2021

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	409 MOREAU TER, SAINT CHARLES, MO 63303-4219

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Sep 18, 2018
Property Address	409 MOREAU TER, SAINT CHARLES, MO 63303-4219
Document Number	0069781816
Book / Page	006978 / 001816
Instrument Date	Sep 17, 2018
Instrument	535520
Transaction Type	Transfer
Record Updated	Oct 9, 2018
Title Company	INVESTORS TITLE COMPANY

Transaction

Amount	Amount Recorded
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 508 ST PETERS MO 633760010, ST PETERS, MO 63376-0010

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Sep 27, 2017
Property Address	409 MOREAU TER, SAINT CHARLES, MO 63303-4219
Document Number	0068140563
Book / Page	6814 / 0563
Map Reference	MB 40 PG 237
Instrument Date	Sep 25, 2017
Instrument	20170927000607420
Transaction Type	Transfer
Record Updated	Aug 9, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2259 ATRIUM DR APT 22, 2259, SAINT LOUIS, MO 63146-2474

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 MOREAU TER, SAINT CHARLES, MO 63303-4219

Mortgage

Document Number	20170927000607430
Date	Sep 27, 2017
Instrument	20170927000607430

Lender

Name	FIRST COMMUNITY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2047

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	St. Charles City
Unified School District	Francis Howell R-III School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$41,128 (-)	$216,461 (-) Building $216,461
2025	$2,380.00	$41,128 (+11.82%)	$216,461 (+11.82%)
2023		$36,781
2022			$193,586 Building $193,586

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 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	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 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.

Drinking Water

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

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 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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