St. Charles County property record for 4143 McClay Rd, Saint Charles, MO 63304
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,348 sqft · built 1976 |
| Lot Size | 0.222 acres (9,676 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $2,628 (2024) |
| Deeds & Mortgages | Aug 2026 Mortgage Aug 2020 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 549443A000 |
| Primary APN | 549443A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,348 sqft Living Area |
| Gross Area | 2,811 sqft |
| 1st Floor Area | 1,248 sqft |
| Basement Area | 1,050 sqft |
| Finished Basement | 100 sqft |
| Unfinished Basement | 950 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 1976 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 9,676 sqft (0.222 acres) |
| Lot Dimensions | 118 ft deep x 82 ft wide |
| Garage Type | Attached |
| Garage Area | 513 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 72 sqft |
| Deck Area | Deck Area |
| Patio Area | 136 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 549443A000 |
|---|---|
| Street Address | 4143 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 71 |
| Legal Subdivision | PINE WOODS |
| Legal Lot Number | 71 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | ST. PETERS |
| Census Block Group | 3 |
| Census Block | 3023 |
| Census Tract | 311331 |
Source: St. Charles County records, as of August 7, 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 Record |
|---|---|
| Mailing Address | 4143 MCCLAY RD, SAINT CHARLES, MO 63304-7962 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 3, 2026 | Deed of Trust, Mortgage · Conventional Mortgage UMB BANK |
| Aug 10, 2020 | Deed of Trust, Mortgage · Line of Credit UMB BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Jun 6, 2012 |
| Transfer Doc | 0057950510 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Aug 3, 2026 |
| Property Address | 4143 MCCLAY RD, SAINT CHARLES, MO 63304-7962 |
| Document Number | 0000036738 |
| Instrument Date | Jul 30, 2026 |
| Instrument | 202636738 |
| Transaction Type | Mortgage |
| Record Updated | Aug 13, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 4143 MCCLAY RD, SAINT CHARLES, MO 63304-7962 |
| Document Number | 0000036738, |
|---|---|
| Date | Aug 3, 2026 |
| Instrument | 202636738 |
| Name | UMB BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 72 Months |
| Due | Aug 4, 2032 |
| Rate | 6.43% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 4143 MCCLAY RD, SAINT CHARLES, MO 63304-7962 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0073671559 |
|---|---|
| Date | Aug 10, 2020 |
| Book Page | 7367/1559 |
| Instrument | 20200810000569870 |
| Name | UMB BANK NA |
|---|---|
| Type | Bank |
| Address | SAINT CHARLES, MO 63304 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
Source: St. Charles County assessment roll, as of August 7, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Unified School District | Francis Howell R-III School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $47,413 (-) | $249,544 (-) Land $48,000 Building $201,544 | |
| 2025 | $47,413 (+12.01%) | $249,544 (+12.01%) Land $48,000 Building $201,544 | |
| 2024 | $2,628.00 | ||
| 2023 | $42,330 | ||
| 2022 | $222,790 Land $48,000 Building $174,790 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|
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: 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.
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 |
| 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.
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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