St. Charles County property record for 4127 McClay Rd, Saint Charles, MO 63304
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,148 sqft · built 1974 |
| Lot Size | 0.216 acres (9,440 sqft) |
| Owner | Individual Name on File |
| Last Sale | $277,000 (Nov 2023) |
| Tax Bill | $2,775 (2025) |
| Deeds & Mortgages | Nov 2023 Mortgage May 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 549428A000 |
| Primary APN | 549428A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,148 sqft Living Area |
| 1st Floor Area | 1,148 sqft |
| Basement Area | 1,148 sqft |
| Finished Basement | 672 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1974 |
|---|---|
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Lot Area | 9,440 sqft |
| Lot Dimensions | 118 ft deep x 80 ft wide |
| Garage Type | Attached |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 100 sqft |
| Patio Area | 150 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Sewer | Connected |
| Account Number | 549428A000 |
|---|---|
| Old Parcel Number | 549428A000 |
| Street Address | 4127 MCCLAY RD |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63304-7917 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AF0 |
| Legal Description | PINE WOODS LOT 58 |
| Legal Range | 04E |
| Legal Township | 46N |
| Legal Subdivision | PINE WOODS |
| Legal Lot Number | 58 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | ST. PETERS |
| Census Block Group | 3 |
| Census Block | 3021 |
| Census Tract | 311331 |
Source: St. Charles County records · APN 549428A000
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 |
|---|---|
| Mailing Address | 4127 MCCLAY RD, SAINT CHARLES, MO 63304-7917 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 02, 2023 | Warranty Deed, Transfer · Conventional Mortgage GERSHMAN INVESTMENT CORP |
| May 26, 2021 | Warranty Deed, Transfer · Conventional Mortgage BROKER SOLUTIONS INC |
| Nov 04, 2020 | Warranty Deed, Transfer FIRST ST BK/ST CHARLES |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Nov 02, 2023 · Amount on Record |
| Deed Sale | Nov 02, 2023 · Amount on Record |
| Prior Sale | May 26, 2021 |
| Deed Document Number | 0202345284 |
| Deed Book / Page | 2023 / 45284 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Nov 02, 2023 |
| Property Address | 4127 MCCLAY RD, SAINT CHARLES, MO 63304-7917 |
| Document Number | 0000045284 |
| Map Reference | MB 16 PG 20-22 |
| Instrument Date | Nov 01, 2023 |
| Instrument | 2023R-045284 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2024 |
| Title Company | DUNE TITLE COMPANY LLC, TRUE TITLE COMPANY LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2050 E CAMORENE ST, SPRINGFIELD, MO 65803-4804 |
| Name | Verified Name |
|---|---|
| Address | 4127 MCCLAY RD, SAINT CHARLES, MO 63304-7917 |
| Document Number | 0000045285 |
|---|---|
| Date | Nov 02, 2023 |
| Instrument | 2023R-045285 |
| Name | GERSHMAN INVESTMENT CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | May 26, 2021 |
| Property Address | 4127 MCCLAY RD, SAINT CHARLES, MO 63304-7917 |
| Document Number | 0000045700 |
| Map Reference | MB 16 PG 20 |
| Instrument Date | May 12, 2021 |
| Instrument | 2021R-045700 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2024 |
| Title Company | INVESTORS TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 192, ADRIAN, MO 64720-0192 |
| Name | Verified Name |
|---|---|
| Address | 4127 MCCLAY RD, SAINT CHARLES, MO 63304-7917 |
| Document Number | 0000045701 |
|---|---|
| Date | May 26, 2021 |
| Instrument | 2021R-045701 |
| Name | BROKER SOLUTIONS INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Nov 04, 2020 |
| Property Address | 4127 MCCLAY RD, SAINT CHARLES, MO 63304-7917 |
| Document Number | 0000084985 |
| Instrument Date | Oct 30, 2020 |
| Instrument | 84985 |
| Transaction Type | Transfer |
| Record Updated | Mar 04, 2021 |
| Title Company | INVESTORS TITLE COMPANY, INVESTORS TITLE CO. |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4127 MCCLAY RD ST CHARLES MO 633047917, ST CHARLES, MO 63304-7917 |
| Document Number | 84986 |
|---|---|
| Date | Nov 04, 2020 |
| Instrument | 84986 |
| Name | FIRST ST BK/ST CHARLES |
|---|---|
| Type | Bank |
| Address | CHARLES, MO 63301 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Nov 03, 2050 |
Source: St. Charles County records · Assessment roll updated July 1, 2025 · Last verified March 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| 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 | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,775.00 | $46,084 (+11.53%) | $242,545 (+11.53%) Land $48,000 Building $194,545 |
| 2023 | $41,321 | ||
| 2022 | $217,477 Land $48,000 Building $169,477 |
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 6 (20% premium discount) |
| Nearby Flood Policies | 4 units insured incl. 4 condo units |
| Nearby Flood Claims | 6 (1979–2020) |
| Claims Outside the SFHA | 1 of 6 |
| Most Recent Claim | Aug 2020 · river or lake flooding |
| Claims by Event |
|
| 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 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) |
|---|---|
| AT&T Fiber · DSL · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: Verizon, WH i3B Bidco LLC/WH i3B Topco.
Based on FCC filings for 425 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 | MO AMERICAN ST LOUIS ST CHARLES COUNTIES private · serves 1,111,000 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Feb 2024 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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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