St. Charles County property record for 4151 McClay Rd, Saint Charles, MO 63304 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,064 sqft · built 1978 |
| Lot Size | 0.225 acres (9,794 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $373,483 (Apr 2023) |
| Tax Bill | $2,904 (2025) |
| Deeds & Mortgages | Apr 2023 Mortgage Dec 2022 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 549447A000 |
| Primary APN | 549447A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,064 sqft Living Area |
| Gross Area | 2,632 sqft |
| 1st Floor Area | 1,064 sqft |
| Basement Area | 1,064 sqft |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1978 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 9,794 sqft (0.225 acres) |
| Lot Dimensions | 118 ft deep x 83 ft wide |
| Garage Type | Attached |
| Garage Area | 504 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 90 sqft |
| Patio Area | 144 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 549447A000 |
|---|---|
| Street Address | 4151 MCCLAY RD |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63304-7962 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PINE WOODS LOT 75 |
| Legal Subdivision | PINE WOODS |
| Legal Lot Number | 75 |
| 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 549447A000
Assessment roll updated August 13, 2025 · Last verified July 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 | 4151 MCCLAY RD, SAINT CHARLES, MO 63304-7962 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
| Date | Document |
|---|---|
| Apr 20, 2023 | Warranty Deed, Transfer · Conventional Mortgage LEADER ONE FINANCIAL CORP |
| Dec 21, 2022 | Warranty Deed, Transfer · Conventional Mortgage FLAT BRANCH HOME LOANS INC |
| Oct 05, 2022 | Warranty Deed, Transfer · Commercial Mortgage ASHLEY HOMES LLC |
| Oct 05, 2022 | Affidavit of Death of Joint Tenant, Transfer |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 20, 2023 · Amount on Record |
| Deed Sale | Apr 20, 2023 · Amount on Record |
| Prior Sale | Dec 21, 2022 · Amount on Record |
| Deed Document Number | 202314954 |
| Prior Transfer Date | Mar 25, 2007 |
| Prior Transfer Doc | 0000216580 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Apr 20, 2023 |
| Property Address | 4151 MCCLAY RD, SAINT CHARLES, MO 63304-7962 |
| Document Number | 0000014954 |
| Map Reference | MB 16 PG 20 |
| Instrument Date | Apr 18, 2023 |
| Instrument | 2023R-014954 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2024 |
| Title Company | INVESTORS TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 129 TIMKA DR, BALLWIN, MO 63011-3750 |
| Name | Verified Name |
|---|---|
| Address | 4151 MCCLAY RD, SAINT CHARLES, MO 63304-7962 |
| Document Number | 0000014955 |
|---|---|
| Date | Apr 20, 2023 |
| Instrument | 2023R-014955 |
| Name | LEADER ONE FINANCIAL CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Dec 21, 2022 |
| Property Address | 4151 MCCLAY RD, SAINT CHARLES, MO 63304-7962 |
| Document Number | 0000067099 |
| Map Reference | MB 16 PG 20 |
| Instrument Date | Dec 19, 2022 |
| Instrument | 2022R-067099 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2024 |
| Title Company | CHESTERFIELD TITLE AGENCY LLC, CHESTERFIELD TITLE AGCY LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4151 MCCLAY RD, SAINT CHARLES, MO 63304-7962 |
| Document Number | 0000067100 |
|---|---|
| Date | Dec 21, 2022 |
| Instrument | 2022R-067100 |
| Name | FLAT BRANCH HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Oct 05, 2022 |
| Property Address | 4151 MCCLAY RD, SAINT CHARLES, MO 63304-7962 |
| Document Number | 0000054768 |
| Map Reference | MB 16 PG 20 |
| Instrument Date | Oct 05, 2022 |
| Instrument | 2022R-054768 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2024 |
| Title Company | DUNE TITLE COMPANY LLC, TRUE TITLE COMPANY LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5276 WEIZ COURT, SAINT LOUIS, MO 63123 |
| Name | Verified Name |
|---|---|
| Address | 830 WATERBURY FALLS DR STE 201, 201, O FALLON, MO 63368-2217 |
| Investor | Possibly a Property Investor |
| Document Number | 0000054769 |
|---|---|
| Date | Oct 05, 2022 |
| Instrument | 2022R-054769 |
| Name | ASHLEY HOMES LLC |
|---|---|
| Type | Non-Lending Institution |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Affidavit of Death of Joint Tenant |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Oct 05, 2022 |
| Property Address | 4151 MCCLAY RD, SAINT CHARLES, MO 63304-7962 |
| Document Number | 0000054767 |
| Map Reference | MB 16 PG 20 |
| Instrument Date | Oct 05, 2022 |
| Instrument | 2022R-054767 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5276 WOLZ CT, SAINT LOUIS, MO 63123-3714 |
Source: St. Charles County records · Assessment roll updated August 13, 2025 · Last verified July 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 | $2,904.00 (+26.92%) | $48,253 (+31.16%) | $253,961 (+31.16%) Land $48,000 Building $205,961 |
| 2024 | $2,288.00 | ||
| 2023 | $36,790 | ||
| 2022 | $193,631 Land $48,000 Building $145,631 |
Source: FEMA National Flood Hazard Layer, St. Charles County (29183C), updated August 25, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 291833113313, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 4 units insured 4 under condo master policies |
| Nearby Flood Claims | 6 (1979–2020) |
| Claims Outside the SFHA | 1 of 6 |
| Most Recent Claim | Aug 2020, river or lake flooding |
| Claims By Storm |
|
| 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; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 425 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| AT&T | Fiber | 5,000 / 5,000 |
| Spectrum | Cable | 1,000 / 1,000 |
| T-Mobile USA | Fixed Wireless | 100 / 20 |
| AT&T | DSL | 100 / 20 |
| Starlink | Satellite (low-earth orbit) | 280 / 30 |
May also be available at this address: AT&T, WH i3B Bidco LLC/WH i3B Topco, Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.
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