4320 McClay Rd, Saint Charles, MO 63304 Property Records

St. Charles County property record for 4320 McClay Rd, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,380 sqft · built 1971
Lot Size	0.14 acres (6,098 sqft)
Owner	2 Individual Names on Record
Last Sale	$234,000 (Aug 2023)
Tax Bill	$2,346 (2025)
Deeds & Mortgages	Feb 2023 Line of Credit Aug 2023 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`531270A000`

Property Details

APN / Parcel Number

Primary APN	`531270A000`
Alternative APN	`3-0115-4089-02-0006.0000000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,380 sqft Living Area
Gross Area	1,680 sqft
1st Floor Area	720 sqft
Basement Area	720 sqft
Finished Basement	660 sqft
Unfinished Basement	60 sqft

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Architectural Style	Bi-Level
Exterior Material	Brick/Stone
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,098 sqft (0.14 acres)
Lot Dimensions	122 ft deep x 53 ft wide
Terrain	Rolling
Garage Type	Attached
Garage Area	240 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	40 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	531270A000
Street Address	4320 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 6
Legal Subdivision	HARVEST AC #2
Legal Block	2
Legal Lot Number	6
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 September 10, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	337 PRAIRIE HERITAGE DR, O FALLON, MO 63368-7204
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 8, 2023	Deed of Trust, Mortgage · Line of Credit FIRST STATE BANK OF ST CHARLES MO
Aug 31, 2023	Warranty Deed, Transfer · Conventional Mortgage DAS ACQUISITION
Oct 18, 2022	Warranty Deed, Transfer · Line of Credit BDS 44 LLC
Nov 8, 2021	Warranty Deed, Transfer TRUSTED TITLE AND CLOSING LLC, TRUSTED TITLE & CLOSING LLC
Sep 30, 2021	Trustee's Deed, Foreclosure

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 31, 2023 · Amount on Record
Deed Sale	Aug 31, 2023 · Amount on Record
Prior Sale	Oct 18, 2022 · Amount on Record
Deed Document Number	202335619
Prior Transfer Date	Sep 9, 2021
Prior Transfer Doc	0000081763
Record Updated	Oct 29, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	4320 MCCLAY RD, SAINT CHARLES, MO 63304-7922
Transaction Type	Mortgage
Record Updated	Jul 1, 2026
Title Company	OLD REPUBLIC TITLE, ORT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3319 TUSCANY HILLS CT, BRIDGETON, MO 63044-2817

Mortgage

Document Number	0000004861
Date	Feb 8, 2023
Instrument	2023R-004861

Lender

Name	FIRST STATE BANK OF ST CHARLES MO
Type	Bank
Address	SAINT CHARLES, MO 63301

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	36 Months
Due	Feb 3, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Aug 31, 2023
Property Address	4320 MCCLAY RD, SAINT CHARLES, MO 63304-7922
Document Number	0000035619
Map Reference	MB 7 PG 6&7
Instrument Date	Aug 30, 2023
Instrument	2023R-035619
Transaction Type	Transfer
Record Updated	Jan 17, 2024
Title Company	SYNERGY TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3319 TUSCANY HILLS CT, BRIDGETON, MO 63044-2817

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	337 PRAIRIE HERITAGE DR, O FALLON, MO 63368-7204

Mortgage

Document Number	0000035620
Date	Aug 31, 2023
Instrument	2023R-035620

Lender

Name	DAS ACQUISITION
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Oct 18, 2022
Property Address	4320 MCCLAY RD, SAINT CHARLES, MO 63304-7922
Document Number	0000056930
Map Reference	MB 6 PG 6&7
Instrument Date	Oct 4, 2022
Instrument	2022R-056930
Transaction Type	Transfer
Record Updated	Jan 17, 2024

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4100 N SCOTTSDELE RD #16001600, 16001600, TEMPE, AZ 85281

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	36 S W, HEBER CITY, UT 84032

Mortgage

Document Number	0000056931
Date	Oct 18, 2022
Instrument	2022R-056931

Lender

Name	BDS 44 LLC
Type	Non-Lending Institution
Address	O FALLON, MO 63368

Agreement

Type	Line of Credit
Amount	Amount Recorded

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Nov 8, 2021
Property Address	4320 MCCLAY RD, SAINT CHARLES, MO 63304-7922
Document Number	0000092108
Map Reference	MB 7 PG 6&7
Instrument Date	Nov 2, 2021
Instrument	2021R-092108
Transaction Type	Transfer
Record Updated	Jul 1, 2026
Title Company	TRUSTED TITLE AND CLOSING LLC, TRUSTED TITLE & CLOSING LLC

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	410 N SCOTTSDALE RD STE 1600, 1600, TEMPE, AZ 85288-0976
Investor	Possibly a Property Investor

September 2021: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	ST CHARLES MO
Recording Date	Sep 30, 2021
Property Address	4320 MCCLAY RD, SAINT CHARLES, MO 63304-7922
Document Number	0000081763
Map Reference	MB 7 PG 6&7
Instrument Date	Sep 9, 2021
Instrument	2021R-081763
Transaction Type	Foreclosure
Record Updated	Jan 17, 2024

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3790 HARVESTER RD STE 3, 3, SAINT PETERS, MO 63303-5611
Investor	Possibly a Property Investor

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		$39,348 (-)	$207,096 (-) Building $207,096
2025	$2,346.00 (+14.77%)	$39,348 (+15.7%)	$207,096 (+15.7%) Building $207,096
2024	$2,044.00
2023		$34,008
2022			$178,992 Land $28,000 Building $150,992

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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