St. Charles County property record for 4305 McClay Rd, Saint Charles, MO 63304
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,534 sqft · built 1957 |
| Lot Size | 0.34 acres (14,810 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $230,000 (Oct 2022) |
| Tax Bill | $2,563 (2025) |
| Deeds & Mortgages | Oct 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 542520A000 |
| Primary APN | 542520A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,534 sqft Living Area |
| Gross Area | 2,540 sqft |
| 1st Floor Area | 1,040 sqft |
| Basement Area | 1,040 sqft |
| Finished Basement | 494 sqft |
| Unfinished Basement | 546 sqft |
| Year Built | Built 1957 |
|---|---|
| Effective Year Built | Effective 1957 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 14,810 sqft (0.34 acres) |
| Lot Dimensions | 180 ft deep x 95 ft wide |
| Garage Type | Attached |
| Garage Area | 460 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 170 sqft |
| Deck Area | Deck Area |
| Patio Area | 180 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 542520A000 |
|---|---|
| Street Address | 4305 MCCLAY RD |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63304-7921 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AF0 |
| Legal Description | POWELL PK FOREST GARDENS HOWELL ADDN CORRTD PLAT LOT 141 |
| Legal Subdivision | POWELL PK & FOREST GARDENS & HOWELL ADDN |
| Legal Lot Number | 141 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | ST. PETERS |
| Census Block Group | 3 |
| Census Block | 3004 |
| Census Tract | 311331 |
Source: St. Charles County records, as of September 10, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 4305 MCCLAY RD, SAINT CHARLES, MO 63304-7921 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 28, 2022 · Amount on Record |
| Deed Sale | Oct 28, 2022 · Amount on Record |
| Prior Sale | Sep 27, 2011 · Amount on Record |
| Deed Document Number | 202258976 |
| Prior Transfer Date | Sep 23, 2011 |
| Prior Transfer Doc | 0000577680 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Oct 28, 2022 |
| Property Address | 4305 MCCLAY RD, SAINT CHARLES, MO 63304-7921 |
| Document Number | 0000058976 |
| Map Reference | MB 8 PG 6 |
| Instrument Date | Oct 26, 2022 |
| Instrument | 2022R-058976 |
| Transaction Type | Transfer |
| Record Updated | Jan 17, 2024 |
| Title Company | INVESTORS TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 908 S PRESLEY ST, ATMORE, AL 36502-3639 |
| Name | Verified Name |
|---|---|
| Address | 4305 MCCLAY RD, SAINT CHARLES, MO 63304-7921 |
| Document Number | 0000058977 |
|---|---|
| Date | Oct 28, 2022 |
| Instrument | 2022R-058977 |
| Name | DAS ACQUISITION |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2052 |
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 | $42,532 (-) | $223,852 (-) Land $47,140 Building $176,712 | |
| 2025 | $2,563.00 | $42,532 (+8.91%) | $223,852 (+8.91%) Land $47,140 Building $176,712 |
| 2023 | $39,051 | ||
| 2022 | $205,531 Land $47,140 Building $158,391 |
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 | 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 |
|
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 | 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.
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 221 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| i3 Broadband Fiber | 8,000 / 8,000 |
| AT&T Fiber · Fixed Wireless, DSL in parts of the area | 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: Wisper ISP.
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