St. Charles County property record for 2745 McClay Rd, Saint Charles, MO 63303
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 3,343 sqft · built 1995 |
| Lot Size | 2.65 acres (115,434 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $250,000 (Nov 2021) |
| Tax Bill | $3,714 (2025) |
| Deeds & Mortgages | Nov 2021 Mortgage Oct 2017 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 451350A000 |
| Primary APN | 451350A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 4,143 sqft Living Area |
| Gross Area | 6,482 sqft |
| 1st Floor Area | 3,343 sqft |
| Basement Area | 2,467 sqft |
| Finished Basement | 800 sqft |
| Unfinished Basement | 1,667 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 115,434 sqft |
| Garage Type | Attached |
| Garage Area | 672 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | Deck Area |
| Patio Area | 1,449 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 451350A000 |
|---|---|
| Street Address | 2745 MCCLAY RD |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63303-5426 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AF0 |
| Legal Description | ST CHAS COMMON BLK 8 EVANS SUR STRIP PT LOT 12 |
| Legal Subdivision | STEEN & CUNNINGHAMS SUB/COMMO |
| Legal Block | 8 |
| Legal Lot Number | 12 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | ZUMBEHL |
| Census Block Group | 1 |
| Census Block | 1014 |
| Census Tract | 311211 |
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 | 2745 MCCLAY RD, SAINT CHARLES, MO 63303-5426 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 2, 2021 | Warranty Deed, Transfer · FHA Mortgage GUILD MORTGAGE CO |
| Oct 19, 2017 | Affidavit of Death, Transfer INVESTORS TITLE COMPANY, INVESTORS TITLE CO. |
| Oct 19, 2017 | Warranty Deed, Transfer · FHA Mortgage GERSHMAN INVESTMENT CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 2, 2021 · Amount on Record |
| Deed Sale | Nov 2, 2021 · Amount on Record |
| Prior Sale | Oct 19, 2017 · Amount on Record |
| Deed Document Number | 202190596 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Nov 2, 2021 |
| Property Address | 2745 MCCLAY RD, SAINT CHARLES, MO 63303-5426 |
| Document Number | 2021R090596 |
| Instrument Date | Oct 29, 2021 |
| Instrument | 2021R-090596 |
| Transaction Type | Transfer |
| Record Updated | Nov 15, 2021 |
| Title Company | NOT AVAILABLE, PTA |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 21 DEBBIE DR, 21, SAINT PETERS, MO 63376-2109 |
| Name | Verified Name |
|---|---|
| Address | 2745 MCCLAY RD, SAINT CHARLES, MO 63303-5426 |
| Document Number | 2021R090597 |
|---|---|
| Date | Nov 2, 2021 |
| Instrument | 2021R-090597 |
| Name | GUILD MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2051 |
| Document Type | Affidavit of Death |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Oct 19, 2017 |
| Property Address | 2745 MCCLAY RD, SAINT CHARLES, MO 63303-5426 |
| Document Number | 0068251979 |
| Book / Page | 006825 / 001979 |
| Instrument Date | Oct 16, 2017 |
| Instrument | 657480 |
| Transaction Type | Transfer |
| Record Updated | Oct 26, 2017 |
| Title Company | INVESTORS TITLE COMPANY, INVESTORS TITLE CO. |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2825 SAINT PETERS HOWELL RD ST PETERS MO 633762842, ST PETERS, MO 63376-2842 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Oct 19, 2017 |
| Property Address | 2745 MCCLAY RD, SAINT CHARLES, MO 63303-5426 |
| Document Number | 0068251981 |
| Book / Page | 6825 / 1981 |
| Instrument Date | Oct 16, 2017 |
| Instrument | 20171019000657490 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount from Assessment |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2825 SAINT PETERS HOWELL RD, 2825, SAINT PETERS, MO 63376-2842 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 2745 MCCLAY RD, SAINT CHARLES, MO 63303-5426 |
| Document Number | 20171019000657500 |
|---|---|
| Date | Oct 19, 2017 |
| Instrument | 20171019000657500 |
| Name | GERSHMAN INVESTMENT CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2047 |
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | St. Charles City |
| Unified School District | Francis Howell R-III School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $61,972 (-) | $326,169 (-) Land $83,475 Building $242,694 | |
| 2025 | $3,714.00 | $61,972 (+5.69%) | $326,169 (+5.69%) Land $83,475 Building $242,694 |
| 2023 | $58,634 | ||
| 2022 | $308,601 Land $71,550 Building $237,051 |
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.
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 7 (15% premium discount) |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 12 (1979–2015) |
| Claims Outside the SFHA | 1 of 12 |
| Most Recent Claim | Dec 2015 · Severe Storms, Tornadoes, Straight-line Winds, And Flooding |
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.
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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ST CHARLES PWS serves 78,961 people · EPA ID MO6010707 |
|---|---|
| Water Source | Purchased surface water from several systems |
| Last State Inspection | Oct 2024 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 320 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
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