604 Montrachet Ct, O Fallon, MO 63368 Property Records

St. Charles County property record for 604 Montrachet Ct, O Fallon, MO 63368

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,392 sqft · built 2018
Lot Size	0.478 acres (20,822 sqft)
Owner	Individual Name on File
Last Sale	$525,172 (Apr 2019)
Tax Bill	$8,280 (2025)
Deeds & Mortgages	Aug 2021 Line of Credit Mar 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`T171600110`

Property Details

APN / Parcel Number

Primary APN	`T171600110`
Alternative APN	`2-113A-C410-00-030D.0000000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	3,392 sqft Living Area
Basement Area	2,000 sqft

Exterior

Year Built	Built 2018
Exterior Material	Stone
Lot Area	20,822 sqft (0.478 acres)
Garage Type	Attached
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	T171600110
Street Address	604 MONTRACHET CT
City	O FALLON
State	MO
Zip	63368-7748
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VLGS AT MONTRACHET #2 LOT 30D
Legal Range	03E
Legal Township	46N
Legal Subdivision	VLGS AT MONTRACHET #2
Legal Lot Number	30D
Jurisdiction	ST CHARLES MO
Township / Civil Division	BOONE
Census Block Group	1
Census Block	1022
Census Tract	311154

Owner

604 Montrachet Ct is owned and occupied by an individual who bought it in April 2019.

Source: St. Charles County records, as of March 16, 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	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	604 MONTRACHET CT, O FALLON, MO 63368-7748
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 24, 2021	Deed of Trust, Mortgage · Line of Credit WEST COMMUNITY CU
Mar 2, 2020	Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO
Apr 18, 2019	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage GUILD MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 18, 2019 · Amount on File
Deed Sale	Apr 18, 2019 · Amount on File
Deed Document Number	0070602400
Deed Book / Page	7060 / 2400
Record Updated	Jun 8, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	604 MONTRACHET CT, O FALLON, MO 63368-7748
Transaction Type	Mortgage
Record Updated	Oct 4, 2022
Title Company	INVESTORS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	604 MONTRACHET CT, O FALLON, MO 63368-7748

Mortgage

Document Number	0000070947
Date	Aug 24, 2021
Instrument	2021R-070947

Lender

Name	WEST COMMUNITY CU
Type	Credit Union
Address	O FALLON, MO 63368

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Aug 1, 2041

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	604 MONTRACHET CT, O FALLON, MO 63368-7748
Transaction Type	Mortgage
Record Updated	Oct 4, 2022
Title Company	TITLE PARTNERS AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000128460
Date	Mar 2, 2020
Book Page	7240/1648
Instrument	20200302000128460

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2050

April 2019: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Apr 18, 2019
Property Address	604 MONTRACHET CT, O FALLON, MO 63368-7748
Document Number	0000177340
Book / Page	7060 / 2400
Map Reference	MB 49 PG 40
Instrument Date	Apr 18, 2019
Instrument	20190418000177340
Transaction Type	Subdivision Related Transfer
Record Updated	Oct 4, 2022
Title Company	ARCHER LAND TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
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	604 MONTRACHET CT, O FALLON, MO 63368-7748

Mortgage

Document Number	0000177350
Date	Apr 18, 2019
Instrument	20190418000177350

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 604 Montrachet Ct was $8,280.

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	$8,280.00	$129,601	$682,110
2023		$118,140
2022			$621,790 Land $100,000 Building $521,790

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 604 Montrachet Ct 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 604 Montrachet Ct 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

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