4156 McClay Rd, Saint Charles, MO 63304 Property Records

St. Charles County property record for 4156 McClay Rd, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,248 sqft · built 1979
Lot Size	0.39 acres (16,988 sqft)
Owner	2 Individual Names on Record
Last Sale	$247,925 (Jul 2023)
Tax Bill	$2,100 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Jul 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`522720A003`

Property Details

APN / Parcel Number

Primary APN	`522720A003`
Alternative APN	`3-0009-S008-00-0012.4000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,248 sqft Living Area
Gross Area	1,776 sqft
1st Floor Area	1,248 sqft

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Architectural Style	Ranch
Exterior Material	Brick/Stone
Lot Area	16,988 sqft (0.39 acres)
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	360 sqft

Location & Zoning

Account Number	522720A003
Street Address	4156 MCCLAY RD
City	SAINT CHARLES
State	MO
Zip	63304-7918
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	NE CORNER OF SW 1/4 OF SE 1/4
Legal Lot Number	12
Jurisdiction	ST CHARLES MO
Township / Civil Division	ST. PETERS
Census Block Group	2
Census Block	2022
Census Tract	311221

Owner

Source: St. Charles County records, as of March 31, 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 Record
Mailing Address	4156 MCCLAY RD, SAINT CHARLES, MO 63304-7918
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Mar 19, 2026	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Jul 31, 2023	Warranty Deed, Transfer · FHA Mortgage GUILD MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 31, 2023 · Amount on Record
Deed Sale	Jul 31, 2023 · Amount on Record
Prior Sale	Oct 24, 2007 · Amount on Record
Deed Document Number	202330362
Prior Transfer Date	Sep 7, 2006
Prior Transfer Doc	0000784210
Record Updated	Jun 8, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	4156 MCCLAY RD, SAINT CHARLES, MO 63304-7918
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4156 MCCLAY RD, WELDON SPRING, MO 63304-7918

Mortgage

Document Number	0000012629
Date	Mar 19, 2026
Instrument	2026R-012629

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	480 Months
Due	Mar 1, 2066

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jul 31, 2023
Property Address	4156 MCCLAY RD, SAINT CHARLES, MO 63304-7918
Document Number	0000030362
Instrument Date	Jul 24, 2023
Instrument	2023R-030362
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	TITLE PARTNERS AGENCY LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3228 STATE HIGHWAY 153, GIDEON, MO 63848-9111

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4156 MCCLAY RD, SAINT PETERS, MO 63304-7918

Mortgage

Document Number	0000030363
Date	Jul 31, 2023
Instrument	2023R-030363

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2053

Tax Assessment & Valuation

Source: St. Charles County assessment roll, as of August 13, 2025

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
2025	$2,100.00 (+33.93%)	$35,180 (+35.41%)	$185,153 (+35.41%) Land $32,500 Building $152,653
2024	$1,568.00 (+12.08%)
2023		$25,981 (+20.79%)
2022	$1,399.00	$21,509	$136,737 (+20.78%) Land $31,250 Building $105,487
2021			$113,207 Land $25,000 Building $88,207

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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	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.

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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