413 Montbrook Dr, O Fallon, MO 63366 Property Records

St. Charles County property record for 413 Montbrook Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,612 sqft · built 1971
Lot Size	0.232 acres (10,125 sqft)
Owner	2 Individual Names on File
Last Sale	$159,850 (Jan 2019)
Tax Bill	$2,401 (2025)
Deeds & Mortgages	Jan 2019 Mortgage May 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`247710A000`

Property Details

APN / Parcel Number

Primary APN	`247710A000`
Alternative APN	`2-057A-4487-00-0002.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,612 sqft Living Area
Gross Area	2,184 sqft
1st Floor Area	1,092 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Architectural Style	Bi-Level
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	10,125 sqft (0.232 acres)
Lot Dimensions	135 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	572 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	298 sqft
Patio Area	324 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	247710A000
Street Address	413 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 2
Legal Subdivision	WESTWOOD AC #5
Legal Lot Number	2
Jurisdiction	ST CHARLES MO
Township / Civil Division	WENTZVILLE
Census Block Group	2
Census Block	2034
Census Tract	311802

Owner

413 Montbrook Dr is owned and occupied by two individuals who bought it in January 2019.

Source: St. Charles County records, as of August 7, 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 File
Mailing Address	413 MONTBROOK DR, O FALLON, MO 63366-2416
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 18, 2019	Warranty Deed, Transfer · FHA Mortgage GUARANTEED RATE INC
May 5, 2018	Deed of Trust, Mortgage REGIONS BK/FAYETTE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 18, 2019 · Amount on File
Deed Sale	Jan 18, 2019 · Amount on File
Prior Sale	Jun 19, 2003 · Amount on File
Deed Document Number	201928990
Deed Book / Page	7027 / 471
Prior Transfer Date	Jun 10, 2003
Prior Transfer Doc	0000086810
Record Updated	Oct 29, 2026

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jan 18, 2019
Property Address	413 MONTBROOK DR, O FALLON, MO 63366-2416
Document Number	0070270471
Book / Page	7027 / 0471
Map Reference	MB 13 PG 26
Instrument Date	Jan 16, 2019
Instrument	20190118000028990
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	INVESTORS TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1377 TIMOTHY RIDGE DR, 1377, SAINT CHARLES, MO 63304-3438

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	413 MONTBROOK DR, O FALLON, MO 63366-2416

Mortgage

Document Number	20190118000029000
Date	Jan 18, 2019
Instrument	20190118000029000

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2049

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	413 MONTBROOK DR, O FALLON, MO 63366-2416
Document Number	0069191387
Instrument Date	May 5, 2018
Transaction Type	Mortgage
Record Updated	Jan 14, 2019
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1377 TIMOTHY RIDGE DR ST CHARLES MO 633043438, ST CHARLES, MO 63304-3438

Mortgage

Document Number	0069191387
Date	May 16, 2018
Book Page	006919/001387
Instrument	269390

Lender

Name	REGIONS BK/FAYETTE
Type	Bank
Address	BIRMINGHAN, AL 35211

Agreement

Amount	Amount on Record
Term	180 Months
Due	May 15, 2033

Tax Assessment & Valuation

The 2025 property tax bill for 413 Montbrook Dr was $2,401.

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		$37,111 (-)	$195,322 (-) Land $55,000 Building $140,322
2025	$2,401.00	$37,111	$195,322 Land $55,000 Building $140,322
2023		$39,357
2022			$207,144 Land $55,000 Building $152,144

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

FEMA maps place 413 Montbrook Dr in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1979.

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

The area around 413 Montbrook Dr has no burnable land within ember reach, so its wildfire risk is not rated.

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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