St. Charles County property record for 4329 McClay Rd, Saint Charles, MO 63304
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 5 ba · 1,887 sqft · built 2003 |
| Lot Size | 0.4 acres (17,424 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $250,000 (Jun 2011) |
| Tax Bill | $4,448 (2025) |
| Deeds & Mortgages | Aug 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | T042700027 |
| Primary APN | T042700027 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 5 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,887 sqft Living Area |
| 1st Floor Area | 1,887 sqft |
| Basement Area | 1,887 sqft |
| Finished Basement | 1,311 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Single |
| Year Built | Built 2003 |
|---|---|
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Lot Area | 17,424 sqft (0.4 acres) |
| Garage Type | Attached |
| Parking Spaces | 3 Parking Spaces |
| Porch | Porch |
| Porch Area | 40 sqft |
| Patio Area | 492 sqft |
| Sewer | Connected |
|---|
| Account Number | T042700027 |
|---|---|
| Old Parcel Number | T042700027 |
| Street Address | 4329 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 Range | 04E |
| Legal Township | 46N |
| Legal Section | 00 |
| 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 March 16, 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 |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 4329 MCCLAY RD, SAINT CHARLES, MO 63304-7921 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 8, 2011 · Amount on Record |
| Deed Sale | Jun 8, 2011 · Amount on Record |
| Prior Sale | May 7, 2003 |
| Deed Document Number | 0055961609 |
| Deed Book / Page | 5596 / 1609 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 4329 MCCLAY RD, SAINT CHARLES, MO 63304-7921 |
| Document Number | 0000088205 |
| Instrument Date | Aug 31, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Feb 24, 2021 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 4329 MCCLAY RD ST CHARLES MO 633047921, ST CHARLES, MO 63304-7921 |
| Document Number | 0000088205 |
|---|---|
| Date | Nov 13, 2020 |
| Instrument | 88205 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Amount | Amount Recorded |
|---|---|
| Term | 180 Months |
| Due | Nov 12, 2035 |
Source: St. Charles County assessment roll, as of July 1, 2025
| 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 |
|---|---|---|---|
| 2025 | $4,448.00 | $74,148 (+3.29%) | $390,253 (+3.29%) Land $39,000 Building $351,253 |
| 2023 | $71,788 | ||
| 2022 | $377,833 Land $37,500 Building $340,333 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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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