4145 McClay Rd, Saint Charles, MO 63304 Property Records

St. Charles County property record for 4145 McClay Rd, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,925 sqft · built 1977
Lot Size	0.222 acres (9,676 sqft)
Owner	Individual Name on Record
Last Sale	$59,186 (May 2021)
Tax Bill	$2,684 (2024)
Deeds & Mortgages	May 2021 Mortgage Sep 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`549444A000`

Property Details

APN / Parcel Number

Primary APN	`549444A000`
Alternative APN	`3-0009-4987-00-0072.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,925 sqft Living Area
Gross Area	2,811 sqft
1st Floor Area	1,400 sqft
Basement Area	1,050 sqft
Finished Basement	525 sqft
Unfinished Basement	525 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	9,676 sqft (0.222 acres)
Lot Dimensions	118 ft deep x 82 ft wide
Garage Type	Attached
Garage Area	361 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Porch
Porch Area	90 sqft
Deck Area	Deck Area
Patio Area	80 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	549444A000
Street Address	4145 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 72
Legal Subdivision	PINE WOODS
Legal Lot Number	72
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 September 10, 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	4145 MCCLAY RD, SAINT CHARLES, MO 63304-7962
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 20, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage USAA FSB
Sep 25, 2017	Deed of Trust, Mortgage USAA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 20, 2021 · Amount on Record
Deed Sale	May 20, 2021 · Amount on Record
Prior Sale	Nov 13, 2002 · Amount on Record
Deed Document Number	202143941
Prior Transfer Date	May 15, 2021
Prior Transfer Doc	2021R043941
Record Updated	Oct 29, 2026

May 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	May 20, 2021
Property Address	4145 MCCLAY RD, SAINT CHARLES, MO 63304-7962
Document Number	2021R043941
Map Reference	MB 16 PG 20
Instrument Date	Mar 15, 2021
Instrument	2021R-043941
Transaction Type	Transfer
Record Updated	Jun 4, 2021
Title Company	BOSTON NATIONAL TITLE

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4145 MCCLAY RD, 4145, SAINT CHARLES, MO 63304-7962

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4145 MCCLAY RD, SAINT CHARLES, MO 63304-7962

Mortgage

Document Number	2021R043942
Date	May 20, 2021
Instrument	2021R-043942

Lender

Name	USAA FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Apr 1, 2051

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	4145 MCCLAY RD, SAINT CHARLES, MO 63304-7962
Document Number	0068161469
Book / Page	006816 / 001469
Instrument Date	Sep 25, 2017
Transaction Type	Mortgage
Record Updated	Oct 9, 2017
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4145 MCCLAY RD ST CHARLES MO 633047962, ST CHARLES, MO 63304-7962

Mortgage

Document Number	0068161469
Date	Oct 2, 2017
Book Page	006816/001469
Instrument	617920

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2047

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of August 7, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$48,644 (-)	$256,023 (-) Land $48,000 Building $208,023
2025		$48,644 (+12.46%)	$256,023 (+12.46%) Land $48,000 Building $208,023
2024	$2,684.00
2023		$43,253
2022			$227,650 Land $48,000 Building $179,650

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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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