4270 McClay Rd, Saint Charles, MO 63304 Property Records

St. Charles County property record for 4270 McClay Rd, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,696 sqft · built 1978
Lot Size	0.73 acres (31,799 sqft)
Owner	Individual Name on Record
Last Sale	$150,000 (Jan 2019)
Tax Bill	$2,189 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Jan 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`539735A000`

Property Details

APN / Parcel Number

Primary APN	`539735A000`
Alternative APN	`3-0009-S007-00-0020.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,696 sqft Living Area
Gross Area	3,208 sqft
1st Floor Area	1,204 sqft
Basement Area	1,204 sqft
Finished Basement	492 sqft
Unfinished Basement	712 sqft

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Hip
Roof Material	Asphalt
Lot Area	31,799 sqft (0.73 acres)
Terrain	Rolling
Garage Type	Attached
Garage Area	800 sqft
Parking Spaces	4 Parking Spaces
Porch	Porch
Deck Area	Deck Area
Patio Area	48 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C

Location & Zoning

Account Number	539735A000
Street Address	4270 MCCLAY RD
City	SAINT CHARLES
State	MO
Zip	63304-7968
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	PT SE FRL 1/4
Legal Lot Number	20
Jurisdiction	ST CHARLES MO
Township / Civil Division	ST. PETERS
Census Block Group	1
Census Block	1004
Census Tract	311221

Owner

Source: St. Charles County records, 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	Individual Name on Record
Mailing Address	4270 MCCLAY RD, SAINT CHARLES, MO 63304-7968
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MORTGAGE LLC
Jan 3, 2019	Warranty Deed, Transfer · Conventional Mortgage FLAT BRANCH HOME LOANS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 3, 2019 · Amount on Record
Deed Sale	Jan 3, 2019 · Amount on Record
Prior Sale	Aug 8, 2007 · Amount on Record
Deed Document Number	20193440
Deed Book / Page	7021 / 2128
Prior Transfer Date	Apr 14, 2006
Prior Transfer Doc	0000312170
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	4270 MCCLAY RD, SAINT CHARLES, MO 63304-7968
Transaction Type	Mortgage
Record Updated	Apr 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4270 MCCLAY RD, SAINT CHARLES, MO 63304-7968

Mortgage

Document Number	2021R024302
Date	Mar 19, 2021
Instrument	2021R-024302

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2036

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jan 3, 2019
Property Address	4270 MCCLAY RD, SAINT CHARLES, MO 63304-7968
Document Number	0070212128
Book / Page	7021 / 2128
Instrument Date	Dec 27, 2018
Instrument	20190103000003440
Transaction Type	Transfer
Record Updated	Aug 9, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4270 MCCLAY RD, SAINT CHARLES, MO 63304-7968

Mortgage

Document Number	20190103000003450
Date	Jan 3, 2019
Instrument	20190103000003450

Lender

Name	FLAT BRANCH HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 1, 2034

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		$36,685 (-)	$193,075 (-) Land $32,500 Building $160,575
2025	$2,189.00 (+1.11%)	$36,685 (+1.76%)	$193,075 (+1.76%) Land $32,500 Building $160,575
2024	$2,165.00
2023		$36,050
2022			$189,735 Land $31,250 Building $158,485

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	Low lower than 99.1% of the US · lower than 98.2% of Missouri
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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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