St. Charles County property record for 4137 McClay Rd, Saint Charles, MO 63304 · Last verified April 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,586 sqft · built 1978 |
| Lot Size | 0.219 acres (9,558 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $214,300 (Feb 2018) |
| Tax Bill | $2,764 (2025) |
| Deeds & Mortgages | Oct 2021 Mortgage Feb 2018 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 549440A000 |
| Primary APN | 549440A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,586 sqft Living Area |
| Gross Area | 2,678 sqft |
| 1st Floor Area | 1,066 sqft |
| Basement Area | 1,066 sqft |
| Finished Basement | 520 sqft |
| Unfinished Basement | 546 sqft |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1978 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 9,558 sqft (0.219 acres) |
| Lot Dimensions | 118 ft deep x 81 ft wide |
| Garage Type | Attached |
| Garage Area | 546 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 70 sqft |
| Patio Area | 120 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 549440A000 |
|---|---|
| Street Address | 4137 MCCLAY RD |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63304-7962 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PINE WOODS LOT 68 |
| Legal Subdivision | PINE WOODS |
| Legal Lot Number | 68 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | ST. PETERS |
| Census Block Group | 3 |
| Census Block | 3023 |
| Census Tract | 311331 |
Source: St. Charles County records · APN 549440A000
Assessment roll updated August 13, 2025 · Last verified April 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4137 MCCLAY RD, SAINT CHARLES, MO 63304-7962 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 22, 2021 | Deed of Trust, Mortgage · VA Mortgage NAVY FCU |
| Feb 06, 2018 | Warranty Deed, Transfer NAVY FCU |
| Oct 03, 2017 | Personal Representative Deed, Transfer · Line of Credit AMERICAN BANK OF MISSOURI |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Feb 06, 2018 · Amount on Record |
| Deed Sale | Feb 06, 2018 · Amount on Record |
| Prior Sale | Oct 03, 2017 · Amount on Record |
| Deed Document Number | 201867950 |
| Deed Book / Page | 6876 / 231 |
| Prior Transfer Date | May 08, 2009 |
| Prior Transfer Doc | 0052080045 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 4137 MCCLAY RD, SAINT CHARLES, MO 63304-7962 |
| Transaction Type | Mortgage |
| Record Updated | Nov 03, 2021 |
| Title Company | NAVY FEDERAL TITLE SERVICES, NAVY FEDERAL TITLE SVCS LLC |
| Name | Verified Name |
|---|---|
| Address | 4137 MCCLAY RD, SAINT CHARLES, MO 63304-7962 |
| Document Number | 2021R087883 |
|---|---|
| Date | Oct 22, 2021 |
| Instrument | 2021R-087883 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Feb 06, 2018 |
| Property Address | 4137 MCCLAY RD, SAINT CHARLES, MO 63304-7962 |
| Document Number | 0068760231 |
| Book / Page | 006876 / 000231 |
| Instrument Date | Feb 01, 2018 |
| Instrument | 67950 |
| Transaction Type | Transfer |
| Record Updated | Mar 14, 2018 |
| Title Company | SELECT TITLE GROUP |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4137 MCCLAY RD ST CHARLES MO 633047962, ST CHARLES, MO 63304-7962 |
| Document Number | 68760233 |
|---|---|
| Date | Feb 06, 2018 |
| Book Page | 006876/000233 |
| Instrument | 67960 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Feb 05, 2048 |
| Document Type | Personal Representative Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Oct 03, 2017 |
| Property Address | 4137 MCCLAY RD, SAINT CHARLES, MO 63304-7962 |
| Document Number | 0068171664 |
| Book / Page | 6817 / 1664 |
| Map Reference | MB 16 PG 20-22 |
| Instrument Date | Sep 29, 2017 |
| Instrument | 20171003000622660 |
| Transaction Type | Transfer |
| Record Updated | Aug 09, 2021 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 125 SUNSET VILLA CT, O FALLON, MO 63366-2280 |
| Document Number | 20171003000622670 |
|---|---|
| Date | Oct 03, 2017 |
| Instrument | 20171003000622670 |
| Name | AMERICAN BANK OF MISSOURI |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
Source: St. Charles County records · Assessment roll updated August 13, 2025 · Last verified April 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 | $2,764.00 (+11.32%) | $45,903 (+14.83%) | $241,594 (+14.83%) Land $48,000 Building $193,594 |
| 2024 | $2,483.00 | ||
| 2023 | $39,974 | ||
| 2022 | $210,391 Land $48,000 Building $162,391 |
Source: FEMA National Flood Hazard Layer, St. Charles County (29183C), updated August 25, 2024 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| 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; lenders make the official flood determination.
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