4149 McClay Rd, Saint Charles, MO 63304 Property Records

St. Charles County property record for 4149 McClay Rd, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,092 sqft · built 1979
Lot Size	0.224 acres (9,794 sqft)
Owner	Individual Name on File
Last Sale	$166,000 (Oct 2018)
Tax Bill	$2,654 (2025)
Deeds & Mortgages	Oct 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`549446A000`

Property Details

APN / Parcel Number

Primary APN	`549446A000`
Alternative APN	`3-0009-4987-00-0074.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,092 sqft Living Area
1st Floor Area	1,092 sqft
Basement Area	480 sqft
Finished Basement	480 sqft

Exterior

Year Built	Built 1979
Architectural Style	Other
Exterior Material	Composition/Composite
Lot Area	9,794 sqft
Lot Dimensions	118 ft deep x 83 ft wide
Garage Type	Attached
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	28 sqft
Patio Area	80 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Sewer	Connected

Location & Zoning

Account Number	549446A000
Old Parcel Number	549446A000
Street Address	4149 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 74
Legal Range	04E
Legal Township	46N
Legal Subdivision	PINE WOODS
Legal Lot Number	74
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 · APN 549446A000

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	4149 MCCLAY RD, SAINT CHARLES, MO 63304-7962
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Oct 23, 2018 · Amount on Record
Deed Sale	Oct 23, 2018 · Amount on Record
Prior Sale	Dec 22, 2015
Deed Document Number	0069932147
Deed Book / Page	6993 / 2147
Record Updated	Jun 08, 2026

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Oct 23, 2018
Property Address	4149 MCCLAY RD, SAINT CHARLES, MO 63304-7962
Document Number	0069932147
Book / Page	6993 / 2147
Map Reference	MB 16 PG 20-22
Instrument Date	Oct 22, 2018
Instrument	20181023000604810
Transaction Type	Transfer
Record Updated	Aug 09, 2021

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4149 MCCLAY RD, SAINT CHARLES, MO 63304-7962

Mortgage

Document Number	20181023000604820
Date	Oct 23, 2018
Instrument	20181023000604820

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2048

Tax Assessment & Valuation

Source: St. Charles County records · Assessment roll updated July 1, 2025 · Last verified March 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

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	$2,654.00	$44,047 (+10.99%)	$231,825 (+10.99%) Land $48,000 Building $183,825
2023		$39,685
2022			$208,867 Land $48,000 Building $160,867

Flood & Wildfire

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

Flood

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

Wildfire

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.

Internet Providers

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.

Drinking Water

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

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 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.