St. Charles County property record for 2748 McClay Rd, Saint Charles, MO 63303
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,228 sqft · built 2021 |
| Lot Size | 0.115 acres (5,027 sqft) |
| Owner | Company Name on File |
| Last Sale | $453,542 (Jul 2021) |
| Deeds & Mortgages | Mar 2021 Construction Loan Jul 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | T200900028 |
| Primary APN | T200900028 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 2,228 sqft Living Area |
| Basement Area | 1,388 sqft |
| Finished Basement | 347 sqft |
| Year Built | Built 2021 |
|---|---|
| Lot Area | 5,027 sqft (0.115 acres) |
| Account Number | T200900028 |
|---|---|
| Street Address | 2748 MCCLAY RD |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63303-5427 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | OAKLEIGH PARK LOT 25A |
| Legal Range | 04E |
| Legal Township | 46N |
| Legal Subdivision | OAKLEIGH PARK |
| Legal Lot Number | 25A |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | SPENCER CREEK |
| Census Block Group | 1 |
| Census Block | 1027 |
| Census Tract | 311211 |
Source: St. Charles County records · APN T200900028
Assessment roll updated July 1, 2023 · Last verified October 2023
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 2748 MCCLAY RD, SAINT CHARLES, MO 63303-5427 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
| Date | Document |
|---|---|
| Mar 09, 2021 | Deed of Trust, Mortgage · Construction Mortgage COMMERCE BANK |
| Jul 14, 2021 | Warranty Deed, Transfer · Conventional Mortgage FIRST COMMUNITY CU |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jul 14, 2021 · Amount on Record |
| Deed Sale | Jul 14, 2021 · Amount on Record |
| Deed Document Number | 0202158888 |
| Deed Book / Page | 2021 / 58888 |
| Record Updated | Jun 07, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 2748 MCCLAY RD, SAINT CHARLES, MO 63303-5427 |
| Transaction Type | Mortgage |
| Record Updated | Oct 04, 2022 |
| Name | Verified Name |
|---|---|
| Address | 695 TRADE CENTER BIVD, CHESTERFIELD, MO 63005-1228 |
| Document Number | 0000020501 |
|---|---|
| Date | Mar 09, 2021 |
| Instrument | 2021R-020501 |
| Name | COMMERCE BANK |
|---|---|
| Type | Bank |
| Address | SAINT LOUIS, MO 63105 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Jul 14, 2021 |
| Property Address | 2748 MCCLAY RD, SAINT CHARLES, MO 63303-5427 |
| Document Number | 0000058888 |
| Map Reference | MB 50 PG 270 |
| Instrument Date | Jul 13, 2021 |
| Instrument | 2021R-058888 |
| Transaction Type | Transfer |
| Record Updated | Oct 04, 2022 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 695 TRADE CENTER BLVD # BLVD200, 695, CHESTERFIELD, MO 63005-1228 |
| Name | Verified Name |
|---|---|
| Relationship | Revocable Living Trust |
| Address | 2748 MCCLAY RD, SAINT CHARLES, MO 63303-5427 |
| Document Number | 0000058889 |
|---|---|
| Date | Jul 14, 2021 |
| Instrument | 2021R-058889 |
| Name | FIRST COMMUNITY CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Aug 01, 2036 |
Source: St. Charles County records · Assessment roll updated July 1, 2023 · Last verified October 2023
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Municipality | St. Charles City |
| Unified School District | Francis Howell R-III School District (PK - 12) |
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.
| Year | Assessed Value | Assessed Market Value |
|---|---|---|
| 2023 | $89,189 | |
| 2022 | $469,416 Land $50,000 Building $419,416 |
Source: FEMA National Flood Hazard Layer as of August 25, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| 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 at the parcel |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
| AT&T DSL · Fiber in parts of the area | 100 / 20 |
Based on FCC filings for 320 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ST CHARLES PWS serves 78,961 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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