4113 McClay Rd, Saint Charles, MO 63304 Property Records

St. Charles County property record for 4113 McClay Rd, Saint Charles, MO 63304 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,026 sqft · built 1977
Lot Size	0.34 acres (14,810 sqft)
Owner	Individual Name on File
Last Sale	$146,500 (Nov 2016)
Tax Bill	$2,384 (2025)
Deeds & Mortgages	Nov 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`549436A000`

Property Details

APN / Parcel Number

Primary APN	`549436A000`
Alternative APN	`3-0009-4987-00-0065.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,026 sqft Living Area
Gross Area	2,476 sqft
1st Floor Area	1,026 sqft
Basement Area	950 sqft

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Ranch
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	14,810 sqft (0.34 acres)
Lot Dimensions	122 ft deep x 87 ft wide
Garage Type	Attached
Garage Area	500 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	72 sqft
Deck Area	Deck Area
Patio Area	369 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	549436A000
Street Address	4113 MCCLAY RD
City	SAINT CHARLES
State	MO
Zip	63304-7917
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PINE WOODS LOT 65
Legal Subdivision	PINE WOODS
Legal Lot Number	65
Jurisdiction	ST CHARLES MO
Township / Civil Division	ST. PETERS
Census Block Group	3
Census Block	3021
Census Tract	311331

Owner

Source: St. Charles County records · APN 549436A000

Assessment roll updated August 7, 2026 · Last verified August 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
Mailing Address	4113 MCCLAY RD, SAINT CHARLES, MO 63304-7917
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 18, 2016 · Amount on Record
Deed Sale	Nov 18, 2016 · Amount on Record
Deed Document Number	2016782450
Deed Book / Page	6654 / 62
Last Transfer Date	Nov 13, 2020
Transfer Doc	0000089335
Record Updated	Sep 20, 2026

November 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST CHARLES MO
Recording Date	Nov 17, 2020
Property Address	4113 MCCLAY RD, SAINT CHARLES, MO 63304-7917
Document Number	0000089335
Instrument Date	Nov 13, 2020
Instrument	89335
Transaction Type	Transfer
Record Updated	Feb 24, 2021
Title Company	STATE LOUIS COMPANY TITLE (SLCTC), STL

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4113 MCCLAY RD ST CHARLES MO 633047917, ST CHARLES, MO 63304-7917

Mortgage

Document Number	89336
Date	Nov 17, 2020
Instrument	89336

Lender

Name	FRONTIER MTG
Type	Mortgage Company
Address	CHESTERFIELD, MO 63005

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Nov 16, 2050

Tax Assessment & Valuation

Source: St. Charles County records · Assessment roll updated August 7, 2026 · Last verified August 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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	Tax Bill	Assessed Value	Assessed Market Value
2026		$39,526 (-)	$208,031 (-) Land $48,000 Building $160,031
2025	$2,384.00 (+9.36%)	$39,526 (+12.81%)	$208,031 (+12.81%) Land $48,000 Building $160,031
2024	$2,180.00
2023		$35,037
2022			$184,406 Land $48,000 Building $136,406

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Charles County (29183C), updated August 25, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 291833113313, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	4 units insured 4 under condo master policies
Nearby Flood Claims	6 (1979–2020)
Claims Outside the SFHA	1 of 6
Most Recent Claim	Aug 2020, river or lake flooding
Claims By Storm	Severe Storms & Flooding, Aug 1993 · 3 claims

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
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, availability as of December 31, 2025 · Published October 2026 · based on 425 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
AT&T	Fiber	5,000 / 5,000
Spectrum	Cable	1,000 / 1,000
T-Mobile USA	Fixed Wireless	100 / 20
AT&T	DSL	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: AT&T, WH i3B Bidco LLC/WH i3B Topco, Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.