St. Charles County property record for 4336 McClay Rd, Saint Charles, MO 63304 · Last verified April 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 910 sqft · built 1970 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | Individual Name on File |
| Last Sale | $186,200 (Jun 2025) |
| Tax Bill | $2,090 (2025) |
| Deeds & Mortgages | Sep 2021 Mortgage Oct 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 531150A000 |
| Primary APN | 531150A000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 910 sqft Living Area |
| Gross Area | 2,288 sqft |
| 1st Floor Area | 910 sqft |
| Basement Area | 910 sqft |
| Year Built | Built 1970 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Ranch |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 7,405 sqft (0.17 acres) |
| Lot Dimensions | 134 ft deep x 51 ft wide |
| Terrain | Rolling |
| Garage Type | Attached |
| Garage Area | 468 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Deck Area | Deck Area |
| Patio Area | 288 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Connected |
| Account Number | 531150A000 |
|---|---|
| Street Address | 4336 MCCLAY RD |
| City | SAINT CHARLES |
| State | MO |
| Zip | 63304-7922 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HARVEST AC #2 BLK 2 LOT 2 |
| Legal Subdivision | HARVEST AC #2 |
| Legal Block | 2 |
| Legal Lot Number | 2 |
| Jurisdiction | ST CHARLES MO |
| Township / Civil Division | ST. PETERS |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 311221 |
Source: St. Charles County records · APN 531150A000
Assessment roll updated August 13, 2025 · Last verified April 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 File |
|---|---|
| Mailing Address | 4336 MCCLAY RD, SAINT CHARLES, MO 63304-7922 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 03, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FLAT BRANCH HOME LOANS INC |
| Oct 31, 2017 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jun 03, 2025 · Amount on Record |
| Deed Sale | Jun 03, 2025 · Amount on Record |
| Deed Document Number | 202523020 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 4336 MCCLAY RD, SAINT CHARLES, MO 63304-7922 |
| Transaction Type | Mortgage |
| Record Updated | Sep 15, 2021 |
| Title Company | TITLE PARTNERS AGENCY LLC |
| Name | Verified Name |
|---|---|
| Address | 4336 MCCLAY RD, SAINT CHARLES, MO 63304-7922 |
| Document Number | 2021R074178 |
|---|---|
| Date | Sep 03, 2021 |
| Instrument | 2021R-074178 |
| Name | FLAT BRANCH HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | COLUMBIA, MO 65201 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST CHARLES MO |
| Property Address | 4336 MCCLAY RD, SAINT CHARLES, MO 63304-7922 |
| Document Number | 0068492437 |
| Instrument Date | Oct 31, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 28, 2018 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 4336 MCCLAY RD ST CHARLES MO 633047922, ST CHARLES, MO 63304-7922 |
| Document Number | 0068492437 |
|---|---|
| Date | Dec 07, 2017 |
| Book Page | 006849/002437 |
| Instrument | 757680 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 06, 2047 |
| Rate Type | Adjustable Rate |
|---|
Source: St. Charles County records · Assessment roll updated August 13, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Charles County |
| Unified School District | Francis Howell R-III School District (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,090.00 (+1%) | $35,014 (+10.89%) | $184,284 (+10.89%) Land $32,000 Building $152,284 |
| 2024 | $1,900.00 | ||
| 2023 | $31,576 | ||
| 2022 | $166,190 Land $28,000 Building $138,190 |
Source: FEMA National Flood Hazard Layer, St. Charles County (29183C), updated August 25, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 291833112211, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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 Storm |
|
| Wildfire Risk | Low above 6% of the US · above 9% of Missouri |
|---|---|
| Wildfire Likelihood | About 1 in 6,250 per year |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 221 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| WH i3B Bidco LLC/WH i3B Topco | Fiber | 8,000 / 8,000 |
| AT&T | Fiber | 5,000 / 5,000 |
| Spectrum | Cable | 1,000 / 1,000 |
| Verizon | Fixed Wireless | 300 / 20 |
| T-Mobile USA | Fixed Wireless | 100 / 20 |
May also be available at this address: AT&T, Wisper ISP. Availability varies by address; speeds are provider-advertised maximums, not measured.
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