St. Charles County property record for 4325 McClay Rd, Saint Charles, MO 63304
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 4 ba · 1,680 sqft · built 2003 |
| Lot Size | 1.23 acres (54,014 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $215,000 (Apr 2016) |
| Tax Bill | $3,796 (2025) |
| Deeds & Mortgages | Oct 2026 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | T052700056 |
| Primary APN | T052700056 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 2,680 sqft Living Area |
| Gross Area | 3,760 sqft |
| 1st Floor Area | 1,680 sqft |
| Basement Area | 1,400 sqft |
| Finished Basement | 1,000 sqft |
| Unfinished Basement | 400 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Architectural Style | Ranch |
| Exterior Material | Masonry Veneer |
| Lot Area | 54,014 sqft |
| Garage Type | Attached |
| Garage Area | 680 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 300 sqft |
| Patio Area | 725 sqft |
| Heating Fuel | Gas |
|---|---|
| Sewer | Connected |
| Account Number | T052700056 |
|---|---|
| Street Address | 4325 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 |
Source: St. Charles County records, as of October 22, 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 | 7321 MOSSY OAKS DR, NAVARRE, FL 32566-9022 |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 8, 2016 · Amount on Record |
| Deed Sale | Apr 8, 2016 · Amount on Record |
| Prior Sale | Apr 8, 2016 · Amount on Record |
| Deed Document Number | 2016209820 |
| Deed Book / Page | 6519 / 795 |
| Last Transfer Date | Oct 2, 2026 |
| Transfer Doc | 0000048489 |
| Record Updated | Oct 29, 2026 |
| Document Type | Transfer on Death Deed |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Recording Date | Oct 13, 2026 |
| Property Address | 4325 MCCLAY RD, SAINT CHARLES, MO 63304-7921 |
| Document Number | 0000048489 |
| Instrument Date | Oct 2, 2026 |
| Instrument | 202648489 |
| Transaction Type | Transfer |
| Record Updated | Oct 22, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 26352 ROUTE HH, MONROE CITY, MO 63456-3242 |
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 | $63,214 (-) | $332,703 (-) Land $45,500 Building $287,203 | |
| 2025 | $3,796.00 | $63,214 (+2.65%) | $332,703 (+2.65%) Land $45,500 Building $287,203 |
| 2023 | $61,583 | ||
| 2022 | $324,125 Land $43,750 Building $280,375 |
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 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.
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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