515 Montrachet Dr, O Fallon, MO 63368 Property Records

St. Charles County property record for 515 Montrachet Dr, O Fallon, MO 63368

Property Summary

Property Type	Single Family Home
Details	1 bd · 3 ba · 2,570 sqft · built 2017
Lot Size	0.278 acres (12,153 sqft)
Owner	Individual Name on File
Last Sale	$699,792 (Jan 2018)
Tax Bill	$8,730 (2025)
Deeds & Mortgages	Dec 2020 Mortgage Feb 2021 Line of Credit + 2 more
Flood Zone	Zone X (moderate risk)
APN	`T171600081`

Property Details

APN / Parcel Number

Primary APN	`T171600081`
Alternative APN	`2-113A-C410-00-001D.0000000`

Interior

Bedrooms	1 Bed
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,570 sqft Living Area
Basement Area	2,503 sqft
Finished Basement	2,000 sqft

Exterior

Year Built	Built 2017
Architectural Style	Ranch
Exterior Material	Brick
Lot Area	12,153 sqft (0.278 acres)
Garage Type	Attached
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	T171600081
Street Address	515 MONTRACHET DR
City	O FALLON
State	MO
Zip	63368-7750
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VLGS AT MONTRACHET #2 LOT 1D
Legal Range	03E
Legal Township	46N
Legal Subdivision	VLGS AT MONTRACHET #2
Legal Lot Number	1D
Jurisdiction	ST CHARLES MO
Township / Civil Division	BOONE
Census Block Group	1
Census Block	1022
Census Tract	311154

Owner

515 Montrachet Dr is owned and occupied by an individual who bought it in January 2018.

Source: St. Charles County records, as of March 16, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	515 MONTRACHET DR, O FALLON, MO 63368-7750
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.

Deeds, Mortgages & Sale History

Date	Document
Dec 30, 2020	Deed of Trust, Mortgage · Conventional Mortgage COMMERCIAL BANK
Feb 19, 2021	Deed of Trust, Mortgage · Line of Credit COMMERCIAL BANK
Jan 16, 2018	Warranty Deed, Subdivision Related Transfer · ARM COMMERCIAL BANK
Feb 2, 2017	Grant Deed, Transfer ARCHWAY TITLE AGENCY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 16, 2018 · Amount on File
Deed Sale	Jan 16, 2018 · Amount on File
Deed Document Number	0006867910
Deed Book / Page	6867 / 910
Record Updated	Jun 8, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	515 MONTRACHET DR, O FALLON, MO 63368-7750
Transaction Type	Mortgage
Record Updated	Oct 4, 2022
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	515 MONTRACHET DR, O FALLON, MO 63368-7750

Mortgage

Document Number	0000103129
Date	Dec 30, 2020
Instrument	2020R-103129

Lender

Name	COMMERCIAL BANK
Type	Bank
Address	SAINT LOUIS, MO 63146

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Jan 1, 2041

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	515 MONTRACHET DR, O FALLON, MO 63368-7750
Transaction Type	Mortgage
Record Updated	Oct 4, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	515 MONTRACHET DR, O FALLON, MO 63368-7750

Mortgage

Document Number	0000014941
Date	Feb 19, 2021
Instrument	2021R-014941

Lender

Name	COMMERCIAL BANK
Type	Bank
Address	63416

Agreement

Type	Line of Credit
Amount	Amount on Record

January 2018: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jan 16, 2018
Property Address	515 MONTRACHET DR, O FALLON, MO 63368-7750
Document Number	0000027570
Book / Page	6867 / 0910
Map Reference	MB 49 PG 49 PG 40
Instrument Date	Jan 16, 2018
Instrument	20180116000027570
Transaction Type	Subdivision Related Transfer
Record Updated	Oct 4, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2L8OCSERF ELD TOWNE CENTRE, 2L8OCSERF, CHESTERFIELD, MO 63005

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	515 MORITRACHET DR, O FALLON, MO 63368

Mortgage

Document Number	0000027580
Date	Jan 16, 2018
Instrument	20180116000027580

Lender

Name	COMMERCIAL BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Type Change Date	Mar 1, 2023
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	6.25%
Index	Other
Margin	2
Max Rate	10.2%

February 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ST CHARLES MO
Recording Date	Feb 2, 2017
Property Address	515 MONTRACHET DR, O FALLON, MO 63368-7750
Document Number	0066950745
Book / Page	006695 / 000745
Instrument Date	Jan 27, 2017
Instrument	74770
Transaction Type	Transfer
Record Updated	Jun 15, 2018
Title Company	ARCHWAY TITLE AGENCY

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	218 CHESTERFIELD TOWNE CTR CHESTERFIELD MO 630051257, CHESTERFIELD, MO 63005-1257

Tax Assessment & Valuation

The 2025 property tax bill for 515 Montrachet Dr was $8,730.

Source: St. Charles County assessment roll, as of July 1, 2025

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
2025	$8,730.00	$136,671	$719,323
2023		$126,598
2022			$666,306 Building $666,306

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 515 Montrachet Dr in Zone X, an area of moderate flood risk.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	2 in force

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

Wildfire risk around 515 Montrachet 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 98% of the US · lower than 96% of Missouri
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 COUNTY PWSD 2 serves 100,587 people · EPA ID MO6024530
Water Source	Purchased surface water from ST LOUIS CITY PWS
Last State Inspection	Aug 2023
Lead	2 ppb (2026) 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 267 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Gateway Fiber Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Montrachet Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures