4160 McClay Rd, Saint Charles, MO 63304 Property Records

St. Charles County property record for 4160 McClay Rd, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,541 sqft · built 1974
Lot Size	0.63 acres (27,443 sqft)
Owner	2 Individual Names on Record
Last Sale	$235,000 (Sep 2019)
Tax Bill	$2,862 (2025)
Deeds & Mortgages	Jul 2020 Mortgage Sep 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`522720A002`

Property Details

APN / Parcel Number

Primary APN	`522720A002`
Alternative APN	`3-0009-S008-00-0012.3000000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,541 sqft Living Area
Gross Area	3,650 sqft
1st Floor Area	1,550 sqft
Basement Area	1,550 sqft
Finished Basement	991 sqft
Unfinished Basement	559 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Architectural Style	Ranch
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	27,443 sqft (0.63 acres)
Garage Type	Attached
Garage Area	550 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	156 sqft
Patio Area	200 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	522720A002
Street Address	4160 MCCLAY RD
City	SAINT CHARLES
State	MO
Zip	63304-7920
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	PT OF 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	1
Census Block	1000
Census Tract	311221

Owner

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

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	4160 MCCLAY RD, SAINT CHARLES, MO 63304-7920
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 27, 2020	Deed of Trust, Mortgage TOGETHER CU
Sep 23, 2019	Warranty Deed, Transfer ANHEUSER BUSCH EMPS CU
May 3, 2018	Warranty Deed, Transfer · FHA Mortgage UNITED STATE TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 23, 2019 · Amount on Record
Deed Sale	Sep 23, 2019 · Amount on Record
Prior Sale	May 3, 2018 · Amount on Record
Deed Document Number	2019519560
Deed Book / Page	7146 / 2479
Prior Transfer Date	Feb 3, 2016
Prior Transfer Doc	0064880901
Record Updated	Jun 8, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	4160 MCCLAY RD, SAINT CHARLES, MO 63304-7920
Document Number	0073621043
Instrument Date	Jul 27, 2020
Transaction Type	Mortgage
Record Updated	Oct 2, 2020
Title Company	NATIONWIDE TITLE CLEARING INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4160 MCCLAY RD ST CHARLES MO 633047920, ST CHARLES, MO 63304-7920

Mortgage

Document Number	0073621043
Date	Aug 4, 2020
Book Page	007362/001043
Instrument	553130

Lender

Name	TOGETHER CU
Address	SAINT LOUIS, MO 63118

Agreement

Amount	Amount Recorded
Term	300 Months
Due	Aug 3, 2045

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Sep 23, 2019
Property Address	4160 MCCLAY RD, SAINT CHARLES, MO 63304-7920
Document Number	0071462479
Book / Page	007146 / 002479
Instrument Date	Sep 18, 2019
Instrument	519560
Transaction Type	Transfer
Record Updated	Oct 16, 2019
Title Company	NATIONWIDE TITLE CLEARING INC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4160 MCCLAY RD ST CHARLES MO 633047920, ST CHARLES, MO 63304-7920

Mortgage

Document Number	71462484
Date	Sep 23, 2019
Book Page	007146/002484
Instrument	519570

Lender

Name	ANHEUSER BUSCH EMPS CU
Type	Credit Union
Address	SAINT LOUIS, MO 63118

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 22, 2049

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	May 3, 2018
Property Address	4160 MCCLAY RD, SAINT CHARLES, MO 63304-7920
Document Number	0069140632
Book / Page	6914 / 0632
Instrument Date	Apr 19, 2018
Instrument	20180503000244240
Transaction Type	Transfer
Record Updated	Feb 6, 2021
Title Company	UNITED STATE TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	4160 MCCLAY RD, SAINT CHARLES, MO 63304-7920

Mortgage

Document Number	0000000000
Date	May 3, 2018
Instrument	20180503000244250

Lender

Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2048

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	$2,862.00 (+0.77%)	$48,108 (+1.44%)	$253,204 (+1.45%) Land $39,000 Building $214,204
2024	$2,840.00
2023		$47,423
2022			$249,595 Land $37,500 Building $212,095

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.

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	5 in force
Nearby Flood Claims	28 (1978–2025)
Claims Outside the SFHA	6 of 28
Most Recent Claim	Jun 2025 · river or lake flooding
Claims by Event	Severe Storms & Flooding, Jul 1993 · 7 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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