4312 McClay Rd, Saint Charles, MO 63304 Property Records

St. Charles County property record for 4312 McClay Rd, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 910 sqft · built 1973
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on Record
Last Sale	$166,000 (Dec 2020)
Tax Bill	$2,208 (2025)
Deeds & Mortgages	Dec 2020 Sale & Mortgage Oct 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`531330A000`

Property Details

APN / Parcel Number

Primary APN	`531330A000`
Alternative APN	`3-0115-4089-02-0008.0000000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,365 sqft Living Area
Gross Area	1,820 sqft
1st Floor Area	910 sqft
Basement Area	910 sqft
Finished Basement	455 sqft
Unfinished Basement	455 sqft

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Architectural Style	Ranch
Exterior Material	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,970 sqft (0.16 acres)
Lot Dimensions	121 ft deep x 60 ft wide
Terrain	Rolling
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Porch
Porch Area	140 sqft
Deck Area	Deck Area
Patio Area	284 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	531330A000
Street Address	4312 MCCLAY RD
City	SAINT CHARLES
State	MO
Zip	63304-7922
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AF0
Legal Description	HARVEST AC #2 BLK 2 LOT 8
Legal Subdivision	HARVEST AC #2
Legal Block	2
Legal Lot Number	8
Jurisdiction	ST CHARLES MO
Township / Civil Division	ST. PETERS
Census Block Group	1
Census Block	1009
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	4312 MCCLAY RD, SAINT CHARLES, MO 63304-7922
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 7, 2020	Warranty Deed, Transfer ELECTRO SVGS CU
Oct 29, 2018	Warranty Deed, Transfer · FHA Mortgage STIFEL BK&TR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 7, 2020 · Amount on Record
Deed Sale	Dec 7, 2020 · Amount on Record
Prior Sale	Oct 29, 2018 · Amount on Record
Deed Document Number	202095126
Prior Transfer Date	Oct 22, 2003
Prior Transfer Doc	0001601580
Record Updated	Oct 29, 2026

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Dec 7, 2020
Property Address	4312 MCCLAY RD, SAINT CHARLES, MO 63304-7922
Document Number	0000095126
Instrument Date	Dec 3, 2020
Instrument	95126
Transaction Type	Transfer
Record Updated	Mar 9, 2021
Title Company	TITLE PARTNERS AGENCY, TITLE PTRS AGCY

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4312 MCCLAY RD ST CHARLES MO 633047922, ST CHARLES, MO 63304-7922

Mortgage

Document Number	95127
Date	Dec 7, 2020
Instrument	95127

Lender

Name	ELECTRO SVGS CU
Type	Credit Union
Address	ST LOUIS, MO 63146

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Dec 6, 2050

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Oct 29, 2018
Property Address	4312 MCCLAY RD, SAINT CHARLES, MO 63304-7922
Document Number	0069960810
Book / Page	006996 / 000810
Instrument Date	Oct 25, 2018
Instrument	616450
Transaction Type	Transfer
Record Updated	Nov 21, 2018
Title Company	SELECT TITLE GROUP

Transaction

Amount	Amount Recorded
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	312 MCCLAY RD ST CHARLES MO 63304, ST CHARLES, MO 63304

Mortgage

Document Number	69960812
Date	Oct 29, 2018
Book Page	006996/000812
Instrument	616460

Lender

Name	STIFEL BK&TR
Type	Bank
Address	ST LOUIS, MO 63141

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 28, 2048

Mortgage

Document Number	69960827,
Date	Oct 29, 2018
Book Page	006996/000827
Instrument	616470

Lender

Name	MISSOURI HSNG DEVELOMENT COMN
Address	920 MAIN ST # 140, KANSAS CITY, MO 64105-2017

Agreement

Amount	Amount Recorded

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		$37,013 (-)	$194,806 (-) Land $32,000 Building $162,806
2025	$2,208.00	$37,013 (+17.24%)	$194,806 (+17.24%) Land $32,000 Building $162,806
2023		$31,569
2022			$166,153 Land $28,000 Building $138,153

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 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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