2802 McClay Rd, Saint Charles, MO 63303 Property Records

St. Charles County property record for 2802 McClay Rd, Saint Charles, MO 63303

Property Summary

Property Type	Condominium
Details	3 bd · 3 ba · 1,512 sqft · built 2023
Lot Size	0.053 acres (2,352 sqft)
Owner	Individual Name on File
Last Sale	$344,688 (Apr 2024)
Tax Bill	$3,880 (2025)
Deeds & Mortgages	Apr 2024 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`T240900005`

Property Details

APN / Parcel Number

Primary APN	`T240900005`
Alternative APN	`3-0010-D376-00-0005.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,512 sqft Living Area
Basement Area	602 sqft

Exterior

Year Built	Built 2023
Exterior Material	Brick/Stone
Lot Area	2,352 sqft (0.053 acres)
Garage Type	Attached
Parking Spaces	2 Parking Spaces

Location & Zoning

Account Number	T240900005
Street Address	2802 MCCLAY RD
City	SAINT CHARLES
State	MO
Zip	63303-5409
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	OAKLEIGH PK ADDITION LOT 5
Legal Subdivision	OAKLEIGH PK ADDITION
Legal Lot Number	5
Jurisdiction	ST CHARLES MO
Township / Civil Division	SPENCER CREEK
Census Block Group	2
Census Block	2000
Census Tract	311211

Owner

Source: St. Charles County records · APN T240900005

Assessment roll updated July 1, 2025 · Last verified March 2026

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

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	2802 MCCLAY RD, SAINT CHARLES, MO 63303-5409
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 04, 2024 · Amount on Record
Deed Sale	Apr 04, 2024 · Amount on Record
Deed Document Number	0202412575
Deed Book / Page	2024 / 12575
Record Updated	Jun 08, 2026

April 2024: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Apr 04, 2024
Property Address	2802 MCCLAY RD, SAINT CHARLES, MO 63303-5409
Document Number	0000012575
Map Reference	DOC 2023R-014263
Instrument Date	Apr 03, 2024
Instrument	2024R-012575
Transaction Type	Subdivision Related Transfer
Record Updated	Apr 19, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	695 TRADE CENTER BLVD # BLVD200, BLVD200, CHESTERFIELD, MO 63005-1228

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2802 MCCLAY RD, SAINT CHARLES, MO 63303-5409

Mortgage

Document Number	0000012576
Date	Apr 04, 2024
Instrument	2024R-012576

Lender

Name	FIRST STATE BANK OF ST CHARLES MO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2054

Tax Assessment & Valuation

Source: St. Charles County records · Assessment roll updated July 1, 2025 · Last verified March 2026

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Municipality	St. Charles City
Unified School District	Francis Howell R-III School District (PK - 12)

Flood & Wildfire

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

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	5 (1986–2001)
Most Recent Claim	Mar 2001 · river or lake flooding
Claims by Event	Severe Storms & Flooding, Jul 1993 · 3 claims

Wildfire

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.6% of Missouri
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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.

Internet Providers

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.

Drinking Water

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

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 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.