905 Monterra Dr, O Fallon, MO 63368 Property Records

St. Charles County property record for 905 Monterra Dr, O Fallon, MO 63368

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 2,371 sqft · built 1999
Lot Size	0.24 acres (10,454 sqft)
Owner	Company Name on Record
Last Sale	$202,800 (Jun 2009)
Tax Bill	$4,352 (2025)
Deeds & Mortgages	Nov 2023 Second Mortgage Aug 2022 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`T001700696`

Property Details

APN / Parcel Number

Primary APN	`T001700696`
Alternative APN	`4-0036-8257-00-0073.0000000`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,371 sqft Living Area
Gross Area	4,204 sqft
1st Floor Area	1,927 sqft
Basement Area	1,877 sqft
Finished Basement	444 sqft
Unfinished Basement	1,433 sqft

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Ranch
Exterior Material	Brick/Stone
Lot Area	10,454 sqft (0.24 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	78 sqft
Deck Area	Deck Area
Patio Area	232 sqft

Utilities, Heating & Cooling

Heating Fuel	Solar
Sewer	Connected

Location & Zoning

Account Number	T001700696
Street Address	905 MONTERRA DR
City	O FALLON
State	MO
Zip	63368-7083
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	KEYSTONE CROSSING #3 LOT 73
Legal Subdivision	KEYSTONE CROSSING #3
Legal Lot Number	73
Jurisdiction	ST CHARLES MO
Township / Civil Division	LAKE ST. LOUIS
Census Block Group	1
Census Block	1012
Census Tract	311153

Owner

Source: St. Charles County records, as of August 7, 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	905 MONTERRA DR, O FALLON, MO 63368-7083
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Nov 15, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage TOGETHER CU
Aug 22, 2022	Deed of Trust, Mortgage · Line of Credit TOGETHER CU
Feb 9, 2022	Deed of Trust, Mortgage · Line of Credit FIRST BANK
Dec 9, 2021	Intrafamily Transfer, Transfer
Dec 29, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 17, 2009 · Amount on Record
Deed Sale	Jun 17, 2009 · Amount on Record
Prior Sale	Nov 1, 1999 · Amount on Record
Deed Document Number	2009494070
Deed Book / Page	5213 / 550
Last Transfer Date	Dec 8, 2021
Transfer Doc	0000104225
Record Updated	Sep 20, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	905 MONTERRA DR, O FALLON, MO 63368-7083
Transaction Type	Mortgage
Record Updated	Dec 6, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	905 MONTERRA DR, O FALLON, MO 63368-7083

Mortgage

Document Number	0000047069
Date	Nov 15, 2023
Instrument	2023R-047069

Lender

Name	TOGETHER CU
Type	Credit Union
Address	SAINT LOUIS, MO 63118

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Nov 8, 2033

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	905 MONTERRA DR, O FALLON, MO 63368-7083
Transaction Type	Mortgage
Record Updated	Sep 5, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	905 MONTERRA DR, O FALLON, MO 63368-7083

Mortgage

Document Number	0000046318
Date	Aug 22, 2022
Instrument	2022R-046318

Lender

Name	TOGETHER CU
Type	Credit Union
Address	SAINT LOUIS, MO 63118

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	302 Months
Due	Sep 30, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	905 MONTERRA DR, O FALLON, MO 63368-7083
Transaction Type	Mortgage
Record Updated	Feb 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	905 MONTERRA DR, DARDENNE PR, MO 63368-7083

Mortgage

Document Number	0000007987
Date	Feb 9, 2022
Instrument	2022R-007987

Lender

Name	FIRST BANK
Type	Bank
Address	O FALLON, MO 63368

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Dec 9, 2021
Property Address	905 MONTERRA DR, O FALLON, MO 63368-7083
Document Number	0000099524
Map Reference	MB 36 PG 86
Instrument Date	Dec 8, 2021
Instrument	2021R-099524
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	905 MONTERRA DR, DARDENNE PRAIRIE, MO 63368-7083
Investor	Possibly a Property Investor

December 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Dec 29, 2021
Property Address	905 MONTERRA DR, O FALLON, MO 63368-7083
Document Number	0000104225
Map Reference	MB 36 PG 86
Instrument Date	Dec 8, 2021
Instrument	2021R-104225
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	905 MONTERRA DR, DARDENNE PRAIRIE, MO 63368-7083
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
Unified School District	Wentzville R-IV School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$70,133 (-)	$369,121 (-) Land $77,000 Building $292,121
2025	$4,352.00 (+0.32%)	$70,133 (+3.61%)	$369,121 (+3.61%) Land $77,000 Building $292,121
2024	$4,338.00
2023		$67,691
2022			$356,267 Land $66,000 Building $290,267

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

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	2 (2006–2008)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Sep 2008 · Severe Storms, Flooding, And A Tornado

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 80% of the US · lower than 84% of Missouri
Wildfire Likelihood	0.02% 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 292 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
i3 Broadband Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30

May also be available: Gateway Fiber, T-Mobile, Verizon.

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