St. Charles County property record for 4328 McClay Rd, Saint Charles, MO 63304
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,183 sqft · built 1999 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $161,000 (Dec 2016) |
| Tax Bill | $2,528 (2025) |
| Deeds & Mortgages | Jan 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 531210A000 |
| Primary APN | 531210A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,645 sqft Living Area |
| Gross Area | 2,788 sqft |
| 1st Floor Area | 1,183 sqft |
| Basement Area | 1,165 sqft |
| Finished Basement | 462 sqft |
| Unfinished Basement | 703 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 7,405 sqft (0.17 acres) |
| Lot Dimensions | 128 ft deep x 60 ft wide |
| Terrain | Rolling |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 25 sqft |
| Deck Area | Deck Area |
| Patio Area | 156 sqft |
| Heating Fuel | Gas |
|---|---|
| Sewer | Connected |
| Account Number | 531210A000 |
|---|---|
| Street Address | 4328 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 4 |
| Legal Subdivision | HARVEST AC #2 |
| Legal Block | 2 |
| Legal Lot Number | 4 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | ST. PETERS |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 311221 |
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 | 4328 MCCLAY RD, SAINT CHARLES, MO 63304-7922 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 5, 2016 · Amount on Record |
| Deed Sale | Dec 5, 2016 · Amount on Record |
| Prior Sale | Mar 17, 2009 · Amount on Record |
| Deed Document Number | 2016820500 |
| Deed Book / Page | 6662 / 2011 |
| Prior Transfer Date | Sep 1, 1999 |
| Prior Transfer Doc | 0000077444 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 4328 MCCLAY RD, SAINT CHARLES, MO 63304-7922 |
| Document Number | 0000003382 |
| Instrument Date | Jan 6, 2021 |
| Transaction Type | Mortgage |
| Record Updated | Mar 25, 2021 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 4328 MCCLAY RD ST CHARLES MO 633047922, ST CHARLES, MO 63304-7922 |
| Document Number | 0000003382 |
|---|---|
| Date | Jan 12, 2021 |
| Instrument | 3382 |
| Name | MR COOPER |
|---|---|
| Address | DALLAS, TX 75019 |
| Amount | Amount Recorded |
|---|---|
| Term | 180 Months |
| Due | Jan 11, 2036 |
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 | $42,449 (-) | $223,415 (-) Land $32,000 Building $191,415 | |
| 2025 | $2,528.00 | $42,449 (+12.65%) | $223,415 (+12.65%) Land $32,000 Building $191,415 |
| 2023 | $37,682 | ||
| 2022 | $198,327 Land $28,000 Building $170,327 |
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 | 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 |
|
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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