921 Monterra Dr, O Fallon, MO 63368 Property Records

St. Charles County property record for 921 Monterra Dr, O Fallon, MO 63368

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 3,201 sqft · built 1999
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on File
Last Sale	$209,070 (Sep 2021)
Tax Bill	$4,373 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Jan 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`T001700689`

Property Details

APN / Parcel Number

Primary APN	`T001700689`
Alternative APN	`4-0036-8257-00-0066.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	3,201 sqft Living Area
Gross Area	3,994 sqft
1st Floor Area	1,813 sqft
Basement Area	1,761 sqft
Finished Basement	1,388 sqft
Unfinished Basement	373 sqft

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Ranch
Exterior Material	Brick/Stone
Lot Area	10,019 sqft (0.23 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	48 sqft
Patio Area	240 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	T001700689
Street Address	921 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 66
Legal Subdivision	KEYSTONE CROSSING #3
Legal Lot Number	66
Jurisdiction	ST CHARLES MO
Township / Civil Division	LAKE ST. LOUIS
Census Block Group	1
Census Block	1012
Census Tract	311153

Owner

921 Monterra Dr is owned and occupied by two individuals who bought it in September 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	921 MONTERRA DR, O FALLON, MO 63368-7083
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
Sep 13, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage GERSHMAN INVESTMENT CORP
Jan 8, 2018	Intrafamily Transfer, Transfer · Conventional Mortgage STIFEL BANK & TRUST

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 13, 2021 · Amount on File
Deed Sale	Sep 13, 2021 · Amount on File
Prior Sale	Jan 8, 2018 · Amount on File
Deed Document Number	202176190
Prior Transfer Date	Aug 30, 2021
Prior Transfer Doc	2021R076190
Record Updated	Oct 29, 2026

September 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Sep 13, 2021
Property Address	921 MONTERRA DR, O FALLON, MO 63368-7083
Document Number	2021R076190
Map Reference	MB 36 PG 86
Instrument Date	Aug 30, 2021
Instrument	2021R-076190
Transaction Type	Transfer
Record Updated	Sep 29, 2021
Title Company	INVESTORS TITLE COMPANY

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	921 MONTERRA DR, O FALLON, MO 63368-7083

Mortgage

Document Number	2021R076191
Date	Sep 13, 2021
Instrument	2021R-076191

Lender

Name	GERSHMAN INVESTMENT CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2051

January 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Jan 8, 2018
Property Address	921 MONTERRA DR, O FALLON, MO 63368-7083
Document Number	0068641123
Book / Page	6864 / 1123
Map Reference	MB 36 PG 86
Instrument Date	Dec 15, 2017
Instrument	20180108000014520
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	FREEDOM TITLE

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	921 MONTERRA DR, O FALLON, MO 63368-7083

Mortgage

Document Number	20180108000014540
Date	Jan 8, 2018
Instrument	20180108000014540

Lender

Name	STIFEL BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 921 Monterra Dr was $4,373, up 1.6% from the year before.

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		$70,478 (-)	$370,938 (-) Land $77,000 Building $293,938
2025	$4,373.00 (+1.63%)	$70,478	$370,938 Land $77,000 Building $293,938
2024	$4,303.00
2023		$67,195
2022			$353,656 Land $66,000 Building $287,656

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 921 Monterra Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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

Wildfire risk around 921 Monterra Dr is low, with 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 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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