914 Monterra Dr, O Fallon, MO 63368 Property Records

St. Charles County property record for 914 Monterra Dr, O Fallon, MO 63368

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,391 sqft · built 2000
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on Record
Last Sale	$365,000 (Oct 2022)
Tax Bill	$3,921 (2025)
Deeds & Mortgages	Oct 2022 Mortgage Dec 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`T001700687`

Property Details

APN / Parcel Number

Primary APN	`T001700687`
Alternative APN	`4-0036-8257-00-0064.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,391 sqft Living Area
Gross Area	3,462 sqft
1st Floor Area	1,536 sqft
Basement Area	1,526 sqft
Finished Basement	855 sqft
Unfinished Basement	671 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	10,019 sqft (0.23 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Patio Area	240 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T001700687
Street Address	914 MONTERRA DR
City	O FALLON
State	MO
Zip	63368-7082
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	KEYSTONE CROSSING #3 LOT 64
Legal Subdivision	KEYSTONE CROSSING #3
Legal Lot Number	64
Jurisdiction	ST CHARLES MO
Township / Civil Division	LAKE ST. LOUIS
Census Block Group	1
Census Block	1013
Census Tract	311153

Owner

Source: St. Charles County records, as of September 10, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	914 MONTERRA DR, O FALLON, MO 63368-7082
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Oct 17, 2022	Warranty Deed, Transfer · Conventional Mortgage STIFEL BANK & TRUST
Dec 24, 2020	Deed of Trust, Mortgage CELEBRITY HM LNS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 17, 2022 · Amount on Record
Deed Sale	Oct 17, 2022 · Amount on Record
Prior Sale	Jun 4, 2020 · Amount on Record
Deed Document Number	202256651
Prior Transfer Date	May 27, 2020
Prior Transfer Doc	0000371520
Record Updated	Oct 29, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Oct 17, 2022
Property Address	914 MONTERRA DR, O FALLON, MO 63368-7082
Document Number	0000056651
Map Reference	MB 36 PG 86
Instrument Date	Sep 7, 2022
Instrument	2022R-056651
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	FREEDOM TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	516 JOHN PITMAN DR, SAINT CHARLES, MO 63304-7197

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	914 MONTERRA DR, O FALLON, MO 63368-7082

Mortgage

Document Number	0000056652
Date	Oct 17, 2022
Instrument	2022R-056652

Lender

Name	STIFEL BANK & TRUST
Type	Bank

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	4.12%
Type Change Date	Nov 1, 2032
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	9.12%
Index	Other
Margin	3
Max Rate	9.12%

Mortgage

Document Number	0000056653
Date	Oct 17, 2022
Instrument	2022R-056653

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Nov 1, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	914 MONTERRA DR, O FALLON, MO 63368-7082
Document Number	0000002654
Instrument Date	Dec 24, 2020
Transaction Type	Mortgage
Record Updated	Mar 23, 2021
Title Company	CLOSELINE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	914 MONTERRA DR O FALLON MO 633687082, O FALLON, MO 63368-7082

Mortgage

Document Number	0000002654
Date	Jan 11, 2021
Instrument	2654

Lender

Name	CELEBRITY HM LNS LLC
Address	OAKBROOK TERRACE, IL 60181

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 10, 2051

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		$63,148 (-)	$332,359 (-) Land $70,000 Building $262,359
2025	$3,921.00 (+12.58%)	$63,148 (+15.87%)	$332,359 (+15.87%) Land $70,000 Building $262,359
2024	$3,483.00
2023		$54,497
2022			$286,828 Land $60,000 Building $226,828

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 97% of the US · lower than 95% of Missouri
Wildfire Likelihood	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 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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