St. Charles County property record for 4154 McClay Rd, Saint Charles, MO 63304
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,864 sqft · built 1986 |
| Lot Size | 0.65 acres (28,314 sqft) |
| Owner | 2 Individuals on Record |
| Tax Bill | $2,292 (2022) |
| Flood Zone | Zone X (minimal risk) |
| APN | A870004366 |
| Primary APN | A870004366 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,864 sqft Living Area |
| Gross Area | 2,688 sqft |
| 1st Floor Area | 1,344 sqft |
| Basement Area | 784 sqft |
| Finished Basement | 520 sqft |
| Unfinished Basement | 264 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Architectural Style | Bi-Level |
| Exterior Material | Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 28,314 sqft (0.65 acres) |
| Garage Type | Attached |
| Garage Area | 560 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | Deck Area |
| Patio Area | 240 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | A870004366 |
|---|---|
| Street Address | 4154 MCCLAY RD |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63304-7918 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PT SW 1/4 |
| Legal Lot Number | 15 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | ST. PETERS |
| Census Block Group | 2 |
| Census Block | 2022 |
| Census Tract | 311221 |
Source: St. Charles County assessment roll, 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 Individuals on Record |
|---|---|
| Mailing Address | 4154 MCCLAY RD, SAINT CHARLES, MO 63304-7918 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 15, 2015 |
| Deed Sale | Oct 15, 2015 |
| Deed Document Number | 2015682650 |
| Deed Book / Page | 6435 / 1463 |
| Prior Transfer Date | Oct 5, 2015 |
| Prior Transfer Doc | 0000682650 |
| Record Updated | Sep 20, 2026 |
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 | $45,356 (+6.21%) | $238,718 (+6.21%) Land $39,000 Building $199,718 | |
| 2023 | $42,706 (+20.27%) | ||
| 2022 | $2,292.00 | $35,507 | $224,766 (+20.27%) Land $37,500 Building $187,266 |
| 2021 | $186,880 Land $30,000 Building $156,880 |
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.
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 | 3 in force |
| Nearby Flood Claims | 7 (1986–2025) |
| Claims Outside the SFHA | 6 of 7 |
| Most Recent Claim | Jun 2025 · rainfall accumulation |
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 | 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.
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 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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