540 Montrachet Dr, O Fallon, MO 63368 Property Records

St. Charles County property record for 540 Montrachet Dr, O Fallon, MO 63368

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,082 sqft · built 2019
Lot Size	0.26 acres (11,326 sqft)
Owner	2 Individual Names on File
Last Sale	$486,500 (Dec 2020)
Tax Bill	$7,647 (2025)
Deeds & Mortgages	Nov 2020 Mortgage Dec 2020 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`T171600096`

Property Details

APN / Parcel Number

Primary APN	`T171600096`
Alternative APN	`2-113A-C410-00-016D.0000000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	3,082 sqft Living Area
Basement Area	1,348 sqft

Exterior

Year Built	Built 2019
Exterior Material	Stone
Lot Area	11,326 sqft (0.26 acres)
Garage Type	Attached
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	T171600096
Street Address	540 MONTRACHET DR
City	O FALLON
State	MO
Zip	63368-7749
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VLGS AT MONTRACHET #2 LOT 16D
Legal Range	03E
Legal Township	46N
Legal Subdivision	VLGS AT MONTRACHET #2
Legal Lot Number	16D
Jurisdiction	ST CHARLES MO
Township / Civil Division	BOONE
Census Block Group	1
Census Block	1022
Census Tract	311154

Owner

540 Montrachet Dr is owned and occupied by two individuals who bought it in December 2020.

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

Owner of Record	2 Individual Names on File
Co-owner	2 Co-owners on File
Mailing Address	540 MONTRACHET DR, O FALLON, MO 63368-7749
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
Nov 23, 2020	Deed of Trust, Mortgage GUILD MTG
Dec 1, 2020	Grant Deed, Transfer NOT AVAILABLE
Dec 1, 2020	Warranty Deed, Transfer NOT AVAILABLE
Sep 11, 2019	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage US BANK NA

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	Dec 1, 2020 · Amount on File
Deed Sale	Dec 1, 2020 · Amount on File
Prior Sale	Sep 11, 2019
Deed Document Number	0202093519
Deed Book / Page	2020 / 93519
Record Updated	Jun 8, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	540 MONTRACHET DR, O FALLON, MO 63368-7749
Document Number	0000093521
Instrument Date	Nov 23, 2020
Transaction Type	Mortgage
Record Updated	Feb 26, 2021
Title Company	INVESTORS TITLE COMPANY, INVESTORS TITLE CO.

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	540 MONTRACHET DR O FALLON MO 633687749, O FALLON, MO 63368-7749

Mortgage

Document Number	0000093521
Date	Dec 1, 2020
Instrument	93521

Lender

Name	GUILD MTG
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Amount	Amount on Record
Term	360 Months
Due	Nov 30, 2050

December 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ST CHARLES MO
Recording Date	Dec 1, 2020
Property Address	540 MONTRACHET DR, O FALLON, MO 63368-7749
Document Number	0000093520
Instrument Date	Nov 17, 2020
Instrument	93520
Transaction Type	Transfer
Record Updated	Mar 5, 2021
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	540 MONTRACHET DR O FALLON MO 633687749, O FALLON, MO 63368-7749

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Dec 1, 2020
Property Address	540 MONTRACHET DR, O FALLON, MO 63368-7749
Document Number	0000093519
Instrument Date	Nov 1, 2020
Instrument	93519
Transaction Type	Transfer
Record Updated	Mar 5, 2021
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2600 DALLAS PKWY #550 FRISCO TX 750347494, 550, FRISCO, TX 75034-7494
Investor	Possibly a Property Investor

September 2019: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Sep 11, 2019
Property Address	540 MONTRACHET DR, O FALLON, MO 63368-7749
Document Number	0000494040
Book / Page	7140 / 1129
Map Reference	MB 49 PG 40
Instrument Date	Sep 11, 2019
Instrument	20190911000494040
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	218 CHESTERFIELD TOWNE CTR, 218, CHESTERFIELD, MO 63005-1257

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	540 MONTRACHET DR, O FALLON, MO 63368-7749

Mortgage

Document Number	0000494050
Date	Sep 11, 2019
Instrument	20190911000494050

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Oct 1, 2039

Tax Assessment & Valuation

The 2025 property tax bill for 540 Montrachet Dr was $7,647.

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	$7,647.00	$119,630	$629,631
2023		$108,924
2022			$573,283 Land $100,000 Building $473,283

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 540 Montrachet Dr in Zone X, an area of minimal 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 minimal risk
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 540 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	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 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 466 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
Wisper ISP Fixed Wireless	400 / 30
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: i3 Broadband.

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