413 Montclair Tower Dr, Saint Charles, MO 63303 Property Records

St. Charles County property record for 413 Montclair Tower Dr, Saint Charles, MO 63303

Property Summary

Property Type	Condominium
Details	2 bd · 1.5 ba · 1,344 sqft · built 2003
Lot Size	0.1 acres (4,356 sqft)
Owner	Company Name on Record
Last Sale	$496,900 (Aug 2025)
Tax Bill	$2,523 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Aug 2025 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`T040800349`

Property Details

APN / Parcel Number

Primary APN	`T040800349`
Alternative APN	`3-0162-9436-04-013D.0000000`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	2 Stories
Building Area	1,344 sqft Living Area
Gross Area	2,164 sqft
1st Floor Area	764 sqft
Basement Area	580 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Lot Area	4,356 sqft (0.1 acres)
Garage Type	Attached
Garage Area	240 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	60 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T040800349
Street Address	413 MONTCLAIR TOWER DR
City	SAINT CHARLES
State	MO
Zip	63303-4095
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	MONTCLAIR LOT 4-13D
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

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	Company Name on Record
Mailing Address	417 WATERWAY DR, SAINT CHARLES, MO 63304-7688
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Jan 28, 2022	Deed of Trust, Mortgage · Conventional Mortgage HOMESITE MORTGAGE LLC
Aug 28, 2025	Quit Claim Deed, Transfer · Commercial Mortgage RE INVESTMNT LOANS LLC
Oct 12, 2022	Warranty Deed, Transfer · Conventional Mortgage FLAT BRANCH HOME LOANS INC
Jul 29, 2022	Warranty Deed, Transfer TOUCHSTONE TITLE AND ABSTRACT, TOUCHSTONE TITLE & ABSTRACT

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 28, 2025 · Amount on Record
Deed Sale	Aug 28, 2025 · Amount on Record
Prior Sale	Oct 12, 2022 · Amount on Record
Deed Document Number	202537812
Prior Transfer Date	Aug 26, 2025
Prior Transfer Doc	0000037812
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	413 MONTCLAIR TOWER DR, SAINT CHARLES, MO 63303-4095
Transaction Type	Mortgage
Record Updated	Jul 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	413 MONTCLAIR TOWER DR, SAINT CHARLES, MO 63303-4095

Mortgage

Document Number	0000005905
Date	Jan 28, 2022
Instrument	2022R-005905

Lender

Name	HOMESITE MORTGAGE LLC
Type	Mortgage Company
Address	UTICA, MI 48315

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.99%
Change Frequency	Annually
Min Rate At Change	6.99%
Max Rate At Change	14.9%
Index	1-Year LIBOR
Margin	8
Max Rate	14.9%

August 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CHARLES MO
Recording Date	Aug 28, 2025
Property Address	413 MONTCLAIR TOWER DR, SAINT CHARLES, MO 63303-4095
Document Number	0000037812
Map Reference	MB 40 PG 237
Instrument Date	Aug 26, 2025
Instrument	2025R-037812
Transaction Type	Transfer
Record Updated	Sep 11, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	417 WATERWAY DR, SAINT CHARLES, MO 63304-7688

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	417 WATERWAY DR, SAINT CHARLES, MO 63304-7688

Mortgage

Document Number	0000037813
Date	Aug 28, 2025
Instrument	2025R-037813

Lender

Name	RE INVESTMNT LOANS LLC
Address	ENGLEWOOD, CO 80112

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2055

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Oct 12, 2022
Property Address	413 MONTCLAIR TOWER DR, SAINT CHARLES, MO 63303-4095
Document Number	0000055818
Map Reference	MB 40 PG 237
Instrument Date	Oct 11, 2022
Instrument	2022R-055818
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	TOUCHSTONE TITLE AND ABSTRACT, TOUCHSTONE TITLE & ABSTRACT

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2150 E GERMANN RD STE 1, 1, CHANDLER, AZ 85286-1662

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	417 WATERWAY DR, SAINT CHARLES, MO 63304-7688

Mortgage

Document Number	0000055819
Date	Oct 12, 2022
Instrument	2022R-055819

Lender

Name	FLAT BRANCH HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jul 29, 2022
Property Address	413 MONTCLAIR TOWER DR, SAINT CHARLES, MO 63303-4095
Document Number	0000042138
Map Reference	MB 40 PG 237
Instrument Date	Jul 28, 2022
Instrument	2022R-042138
Transaction Type	Transfer
Record Updated	Jul 1, 2026
Title Company	TOUCHSTONE TITLE AND ABSTRACT, TOUCHSTONE TITLE & ABSTRACT

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	318 ROSE BRANCHLET CT, WENTZVILLE, MO 63385-6008

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2150 E GERMANN RD STE 1, 1, CHANDLER, AZ 85286-1662
Investor	Possibly a Property Investor

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		$43,635 (-)	$229,656 (-) Building $229,656
2025	$2,523.00	$43,635 (+10.54%)	$229,656 (+10.53%) Building $229,656
2023		$39,476
2022			$207,768 Building $207,768

Assessed value is set for property tax purposes, not a market price estimate; it is 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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