4153 McClay Rd, Saint Charles, MO 63304 Property Records

St. Charles County property record for 4153 McClay Rd, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,712 sqft · built 1978
Lot Size	0.219 acres (9,558 sqft)
Owner	Company Name on Record
Tax Bill	$2,602 (2025)
Deeds & Mortgages	Mar 2022 Line of Credit May 2021 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`549448A000`

Property Details

APN / Parcel Number

Primary APN	`549448A000`
Alternative APN	`3-0009-4987-00-0076.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,712 sqft Living Area
Gross Area	2,192 sqft
1st Floor Area	1,096 sqft
Basement Area	616 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
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	480 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	32 sqft
Deck Area	Deck Area
Patio Area	100 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	549448A000
Street Address	4153 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 76
Legal Subdivision	PINE WOODS
Legal Lot Number	76
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 11, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	830 WATERBURY FALLS DR, 201, O FALLON, MO 63368-2217
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Mar 8, 2022	Deed of Trust, Mortgage · Line of Credit AMERICAN BANK OF MISSOURI
May 20, 2021	Beneficiary Deed, Transfer
May 20, 2021	Warranty Deed, Transfer DUNE TITLE COMPANY LLC, TRUE TITLE COMPANY LLC
Apr 20, 2018	Affidavit of Death, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 2, 2025
Deed Sale	Jul 2, 2025
Prior Sale	May 20, 2021 · Amount on Record
Deed Document Number	202528185
Prior Transfer Date	Jul 1, 2025
Prior Transfer Doc	0000028185
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	4153 MCCLAY RD, SAINT CHARLES, MO 63304-7962
Transaction Type	Mortgage
Record Updated	Mar 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	830 WATERBURY FALLS DR 201, 201, O FALLON, MO 63368-2217

Mortgage

Document Number	0000013628
Date	Mar 8, 2022
Instrument	2022R-013628

Lender

Name	AMERICAN BANK OF MISSOURI
Type	Bank
Address	WRIGHT CITY, MO 63390

Agreement

Type	Line of Credit
Amount	Amount Recorded

May 2021: Beneficiary Deed, Transfer

Document Type	Beneficiary Deed
Jurisdiction	ST CHARLES MO
Recording Date	May 20, 2021
Property Address	4153 MCCLAY RD, SAINT CHARLES, MO 63304-7962
Document Number	2021R043710
Map Reference	MB 16 PG 20-22
Instrument Date	May 18, 2021
Instrument	2021R-043710
Transaction Type	Transfer
Record Updated	Jun 4, 2021

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4153 MCCLAY RD, SAINT CHARLES, MO 63304-7962

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	May 20, 2021
Property Address	4153 MCCLAY RD, SAINT CHARLES, MO 63304-7962
Document Number	2021R043711
Map Reference	MB 16 PG 20-22
Instrument Date	May 18, 2021
Instrument	2021R-043711
Transaction Type	Transfer
Record Updated	Jun 4, 2021
Title Company	DUNE TITLE COMPANY LLC, TRUE TITLE COMPANY LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4153 MCCLAY RD, 4153, COTTLEVILLE, MO 63304-7962

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3320 RUE ROYALE ST # I, I, SAINT CHARLES, MO 63301-8322

April 2018: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	ST CHARLES MO
Recording Date	Apr 20, 2018
Property Address	4153 MCCLAY RD, SAINT CHARLES, MO 63304-7962
Document Number	0069072049
Book / Page	006907 / 002049
Instrument Date	Apr 19, 2018
Instrument	214960
Transaction Type	Transfer
Record Updated	Apr 27, 2018

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4153 MCCLAY RD ST CHARLES MO 633047962, ST CHARLES, MO 63304-7962

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		$43,185 (-)	$227,288 (-) Land $48,000 Building $179,288
2025	$2,602.00 (+7.92%)	$43,185 (+11.28%)	$227,288 (+11.28%) Land $48,000 Building $179,288
2024	$2,411.00
2023		$38,807
2022			$204,246 Land $48,000 Building $156,246

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	Not rated no burnable land within 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 431 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: i3 Broadband, Wisper ISP.

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