4309 McClay Rd, Saint Charles, MO 63304 Property Records

St. Charles County property record for 4309 McClay Rd, Saint Charles, MO 63304 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,272 sqft · built 1997
Lot Size	0.4 acres (17,424 sqft)
Owner	Individual Name on File
Last Sale	$265,600 (May 2021)
Tax Bill	$2,948 (2025)
Deeds & Mortgages	May 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`539550A000`

Property Details

APN / Parcel Number

Primary APN	`539550A000`
Alternative APN	`3-0115-0285-00-0015.5000000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,272 sqft Living Area
Gross Area	3,046 sqft
1st Floor Area	1,290 sqft
Basement Area	1,272 sqft
Finished Basement	982 sqft
Unfinished Basement	290 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Ranch
Exterior Material	Brick/Stone
Lot Area	17,424 sqft (0.4 acres)
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	30 sqft
Patio Area	80 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	539550A000
Street Address	4309 MCCLAY RD
City	SAINT CHARLES
State	MO
Zip	63304-7921
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT SUR 285
Legal Subdivision	US SURV 285
Legal Lot Number	15
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 · APN 539550A000

Assessment roll updated August 13, 2025 · Last verified April 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 File
Mailing Address	4309 MCCLAY RD, SAINT CHARLES, MO 63304-7921
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 21, 2021 · Amount on Record
Deed Sale	May 21, 2021 · Amount on Record
Prior Sale	Aug 14, 2014 · Amount on Record
Deed Document Number	202144427
Prior Transfer Date	Aug 07, 2014
Prior Transfer Doc	0062280170
Record Updated	Jun 08, 2026

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	May 21, 2021
Property Address	4309 MCCLAY RD, SAINT CHARLES, MO 63304-7921
Document Number	2021R044427
Instrument Date	May 14, 2021
Instrument	2021R-044427
Transaction Type	Transfer
Record Updated	Jun 07, 2021
Title Company	TITLE PARTNERS AGENCY LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4521 AUSTIN POINT CT, 4521, SAINT CHARLES, MO 63304-0331

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4309 MCCLAY RD, SAINT CHARLES, MO 63304-7921

Mortgage

Document Number	2021R044428
Date	May 21, 2021
Instrument	2021R-044428

Lender

Name	FIRST STATE BANK OF ST CHARLES MO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2051

Tax Assessment & Valuation

Source: St. Charles County records · Assessment roll updated August 13, 2025 · Last verified April 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

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,948.00 (-0.44%)	$48,991 (+2.58%)	$257,848 (+2.58%) Land $39,000 Building $218,848
2024	$2,961.00
2023		$47,758
2022			$251,357 Land $37,500 Building $213,857

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Charles County (29183C), updated August 25, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 291833113313, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	4 units insured (4 under condo master policies)
Nearby Flood Claims	6 (1979–2020)
Claims Outside the SFHA	1 of 6
Most Recent Claim	Aug 2020, river or lake flooding
Flood Events	Severe Storms & Flooding (Aug 1993), 3 claims

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.