4135 McClay Rd, Saint Charles, MO 63304 Property Records

St. Charles County property record for 4135 McClay Rd, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,134 sqft · built 1976
Lot Size	0.216 acres (9,440 sqft)
Owner	Individual Name on Record
Last Sale	$172,000 (Mar 2019)
Tax Bill	$2,601 (2025)
Deeds & Mortgages	May 2023 Mortgage Mar 2019 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`549438A000`

Property Details

APN / Parcel Number

Primary APN	`549438A000`
Alternative APN	`3-0009-4987-00-0067.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,134 sqft Living Area
1st Floor Area	1,134 sqft
Basement Area	1,134 sqft
Finished Basement	500 sqft

Exterior

Year Built	Built 1976
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	80 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Sewer	Connected

Location & Zoning

Account Number	549438A000
Old Parcel Number	549438A000
Street Address	4135 MCCLAY RD
City	SAINT CHARLES
State	MO
Zip	63304-7962
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	PINE WOODS LOT 67
Legal Range	04E
Legal Township	46N
Legal Subdivision	PINE WOODS
Legal Lot Number	67
Jurisdiction	ST CHARLES MO
Township / Civil Division	ST. PETERS
Census Block Group	3
Census Block	3023
Census Tract	311331

Owner

Source: St. Charles County records, as of March 16, 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 Record
Mailing Address	4135 MCCLAY RD, SAINT CHARLES, MO 63304-7962
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 30, 2023	Intrafamily Transfer, Transfer · Conventional Mortgage CENTRAL TRUST BANK
Mar 14, 2019	Warranty Deed, Transfer CENTRAL BK/ST LOUIS
Jan 28, 2019	Grant Deed, Mortgage · Line of Credit AMERICAN BK/MO
Jan 7, 2019	Warranty Deed, Construction Loan · Construction Mortgage LENDINGHOME FUNDING CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 14, 2019 · Amount on Record
Deed Sale	Mar 14, 2019 · Amount on Record
Prior Sale	Mar 14, 2019 · Amount on Record
Deed Document Number	0070461401
Deed Book / Page	007046 / 001401
Last Transfer Date	May 30, 2023
Transfer Doc	0000020299
Record Updated	Jun 8, 2026

May 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	May 30, 2023
Property Address	4135 MCCLAY RD, SAINT CHARLES, MO 63304-7962
Document Number	0000020299
Map Reference	MB 16 PG 20-22
Instrument Date	May 11, 2023
Instrument	2023R-020299
Transaction Type	Transfer
Record Updated	Jun 13, 2023
Title Company	CONTINENTAL TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4135 MCCLAY RD, SAINT CHARLES, MO 63304-7962

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4135 MCCLAY RD, SAINT CHARLES, MO 63304-7962

Mortgage

Document Number	0000020300
Date	May 30, 2023
Instrument	2023R-020300

Lender

Name	CENTRAL TRUST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Mar 14, 2019
Property Address	4135 MCCLAY RD, SAINT CHARLES, MO 63304-7962
Document Number	0070461401
Book / Page	007046 / 001401
Instrument Date	Mar 12, 2019
Instrument	113710
Transaction Type	Transfer
Record Updated	Apr 2, 2019
Title Company	US TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	4135 MCCLAY RD ST CHARLES MO 633047962, ST CHARLES, MO 63304-7962

Mortgage

Document Number	70461403
Date	Mar 14, 2019
Book Page	007046/001403
Instrument	113720

Lender

Name	CENTRAL BK/ST LOUIS
Address	SAINT LOUIS, MO 63105-1809

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Mar 13, 2049

January 2019: Grant Deed, Mortgage

Document Type	Grant Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jan 28, 2019
Property Address	4135 MCCLAY RD, SAINT CHARLES, MO 63304-7962
Document Number	0070292067
Book / Page	007029 / 002067
Instrument Date	Jan 23, 2019
Instrument	41410
Transaction Type	Mortgage
Record Updated	Feb 13, 2019
Title Company	OTHER

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	125 SUNSET VILLA CT O FALLON MO 633662280, O FALLON, MO 63366-2280

Mortgage

Document Number	70292067
Date	Jan 28, 2019
Book Page	007029/002067
Instrument	41410

Lender

Name	AMERICAN BK/MO
Type	Bank
Address	690 N SERVICE RD W, WRIGHT CITY, MO 63390

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

January 2019: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jan 7, 2019
Property Address	4135 MCCLAY RD, SAINT CHARLES, MO 63304-7962
Document Number	0070222268
Book / Page	7022 / 2268
Map Reference	MB 16 PG 20-22
Instrument Date	Dec 31, 2018
Instrument	20190107000008230
Transaction Type	Construction Loan
Record Updated	Aug 9, 2021
Title Company	TITLE PARTNERS AGENCY LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	125 SUNSET VILLA CT, O FALLON, MO 63366-2280
Investor	Possibly a Property Investor

Mortgage

Document Number	20190107000008240
Date	Jan 7, 2019
Instrument	20190107000008240

Lender

Name	LENDINGHOME FUNDING CORP
Type	Funding / Finance Company

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of July 1, 2025

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,601.00	$43,169 (+11.83%)	$227,207 (+11.83%) Land $48,000 Building $179,207
2023		$38,603
2022			$203,172 Land $48,000 Building $155,172

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.

Flood

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 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	Severe Storms & Flooding, Aug 1993 · 3 claims

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.

Wildfire

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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	MO AMERICAN ST LOUIS ST CHARLES COUNTIES private · serves 1,111,000 people · EPA ID MO6010716
Water Source	Surface water
Last State Inspection	Feb 2024
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

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, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 425 locations within half a mile, as of December 31, 2025

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 Fixed Wireless	100 / 20

May also be available: i3 Broadband, Verizon.

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