4307 McClay Rd, Saint Charles, MO 63304 Property Records

St. Charles County property record for 4307 McClay Rd, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,457 sqft · built 1962
Lot Size	0.38 acres (16,553 sqft)
Owner	Individual Name on Record
Last Sale	$1 (Aug 2025)
Tax Bill	$2,433 (2025)
Deeds & Mortgages	Sep 2022 Second Mortgage Aug 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`542490A000`

Property Details

APN / Parcel Number

Primary APN	`542490A000`
Alternative APN	`3-0115-4273-00-0140.0000000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,457 sqft Living Area
Gross Area	2,436 sqft
1st Floor Area	1,044 sqft
Basement Area	1,044 sqft

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Architectural Style	Ranch
Exterior Material	Metal
Roof Type	Gable
Roof Material	Asphalt
Lot Area	16,553 sqft (0.38 acres)
Lot Dimensions	180 ft deep x 95 ft wide
Garage Type	Attached
Garage Area	348 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	465 sqft
Patio Area	182 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	542490A000
Street Address	4307 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 140
Legal Subdivision	POWELL PK & FOREST GARDENS & HOWELL ADDN
Legal Lot Number	140
Jurisdiction	ST CHARLES MO
Township / Civil Division	ST. PETERS
Census Block Group	3
Census Block	3004
Census Tract	311331

Owner

Source: St. Charles County records, as of September 11, 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	4307 MCCLAY RD, SAINT CHARLES, MO 63304-7921
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Sep 9, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FIRST COMMUNITY CU
Aug 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Oct 8, 2019	Deed of Trust, Mortgage · Conventional Mortgage SYNERGY ONE LENDING
Jan 31, 2020	Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 1, 2025 · Amount on Record
Deed Sale	Aug 1, 2025 · Amount on Record
Prior Sale	Jan 31, 2020 · Amount on Record
Deed Document Number	202533134
Prior Transfer Date	Jul 23, 2025
Prior Transfer Doc	0000033134
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	4307 MCCLAY RD, SAINT CHARLES, MO 63304-7921
Transaction Type	Mortgage
Record Updated	Sep 22, 2022
Title Company	CLEAR TITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4307 MCCLAY RD, SAINT CHARLES, MO 63304-7921

Mortgage

Document Number	0000049796
Date	Sep 9, 2022
Instrument	2022R-049796

Lender

Name	FIRST COMMUNITY CU
Type	Credit Union
Address	CHESTERFIELD, MO 63005

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	179 Months
Due	Aug 30, 2037

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	4307 MCCLAY RD, SAINT CHARLES, MO 63304-7921
Transaction Type	Mortgage
Record Updated	Aug 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	MCCLAY ST, SAINT CHARLES, MO 63304

Mortgage

Document Number	2021R065476
Date	Aug 4, 2021
Instrument	2021R-065476

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2051

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	4307 MCCLAY RD, SAINT CHARLES, MO 63304-7921
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0071581146
Date	Oct 8, 2019
Book Page	7158/1146
Instrument	20191008000561680

Lender

Name	SYNERGY ONE LENDING
Type	Lending Institution
Address	LOMBARD, IL 60148

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jan 31, 2020
Property Address	4307 MCCLAY RD, SAINT CHARLES, MO 63304-7921
Document Number	0072242178
Book / Page	7224 / 2178
Map Reference	MB 8 PG 6
Instrument Date	Jan 28, 2020
Instrument	20200131000066440
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	US TITLE CORP & OR AGCY INC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4307 MCCLAY RD, 4307, SAINT CHARLES, MO 63304-7921

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	4307 MCCLAY RD, SAINT CHARLES, MO 63304-7921

Mortgage

Document Number	20200131000066450
Date	Jan 31, 2020
Instrument	20200131000066450

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2050

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		$40,350 (-)	$212,367 (-) Land $47,140 Building $165,227
2025	$2,433.00 (+4.42%)	$40,350 (+7.65%)	$212,367 (+7.65%) Land $47,140 Building $165,227
2024	$2,330.00
2023		$37,481
2022			$197,268 Land $47,140 Building $150,128

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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	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	Severe Storms & Flooding, Aug 1993 · 3 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 94% of the US · lower than 91% of Missouri
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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 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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