4578 Clearbrook Dr, Saint Charles, MO 63304 Property Records

St. Charles County property record for 4578 Clearbrook Dr, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 910 sqft · built 1986
Lot Size	0.35 acres (15,246 sqft)
Owner	2 Individual Names on File
Last Sale	$195,000 (Oct 2020)
Tax Bill	$2,559 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Mar 2024 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`A870000790`

Property Details

APN / Parcel Number

Primary APN	`A870000790`
Alternative APN	`3-0016-6030-00-0069.0000000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	910 sqft Living Area
Gross Area	2,285 sqft
1st Floor Area	910 sqft
Basement Area	900 sqft

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,246 sqft (0.35 acres)
Garage Type	Attached
Garage Area	475 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	81 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A870000790
Street Address	4578 CLEARBROOK DR
City	SAINT CHARLES
State	MO
Zip	63304-8719
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NOTTINGHAM FOREST #2 LOT 69
Legal Subdivision	NOTTINGHAM FOREST #2
Legal Lot Number	69
Jurisdiction	ST CHARLES MO
Township / Civil Division	COTTLEVILLE
Census Block Group	4
Census Block	4001
Census Tract	311122

Owner

4578 Clearbrook Dr is owned and occupied by two individuals who acquired it in March 2024.

Source: St. Charles County records, as of September 10, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4578 CLEARBROOK DR, SAINT CHARLES, MO 63304-8719
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Nov 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Mar 26, 2024	Intrafamily Transfer, Transfer
Oct 22, 2020	Warranty Deed, Transfer FAIRWAY INDEPENDENT MTG
Oct 22, 2020	Warranty Deed, Transfer KELLER MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 22, 2020 · Amount on File
Deed Sale	Oct 22, 2020 · Amount on File
Prior Sale	Oct 22, 2020 · Amount on File
Deed Document Number	202080359
Last Transfer Date	Mar 26, 2024
Transfer Doc	0000011214
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	4578 CLEARBROOK DR, SAINT CHARLES, MO 63304-8719
Transaction Type	Mortgage
Record Updated	Apr 10, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000091283
Date	Nov 4, 2021
Instrument	2021R-091283

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

March 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST CHARLES MO
Recording Date	Mar 26, 2024
Property Address	4578 CLEARBROOK DR, SAINT CHARLES, MO 63304-8719
Document Number	0000011214
Map Reference	MB 25 PG 114
Instrument Date	Mar 26, 2024
Instrument	2024R-011214
Transaction Type	Transfer
Record Updated	Apr 10, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4578 CLEARBROOK DR, SAINT CHARLES, MO 63304-8719

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4578 CLEARBROOK DR, SAINT CHARLES, MO 63304-8719

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Oct 22, 2020
Property Address	4578 CLEARBROOK DR, SAINT CHARLES, MO 63304-8719
Document Number	0000080359
Instrument Date	Oct 16, 2020
Instrument	80359
Transaction Type	Transfer
Record Updated	Mar 4, 2021
Title Company	TRUE TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4578 CLEARBROOK DR ST CHARLES MO 633048719, ST CHARLES, MO 63304-8719

Mortgage

Document Number	80360
Date	Oct 22, 2020
Instrument	80360

Lender

Name	FAIRWAY INDEPENDENT MTG
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Amount	Amount on Record
Term	360 Months
Due	Oct 21, 2050

Mortgage

Document Number	80453,
Date	Oct 22, 2020
Instrument	80453

Lender

Name	HOUSING & CMNTY DEV DEPT
Type	Construction/Development Company
Address	920 MAIN ST # 1400, KANSAS CITY, MO 64105-2189

Agreement

Amount	Amount on Record

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Oct 22, 2020
Property Address	4578 CLEARBROOK DR, SAINT CHARLES, MO 63304-8719
Document Number	0000080362
Instrument Date	Oct 15, 2020
Instrument	80362
Transaction Type	Transfer
Record Updated	Feb 12, 2021
Title Company	ENTERPRISE TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4578 CLEARBROOK DR ST CHARLES MO 633048719, ST CHARLES, MO 63304-8719

Mortgage

Document Number	80363
Date	Oct 22, 2020
Instrument	80363

Lender

Name	KELLER MTG
Type	Mortgage Company
Address	DUBLIN, OH 43016

Agreement

Amount	Amount on Record
Term	360 Months
Due	Oct 21, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 4578 Clearbrook Dr was $2,559.

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		$42,976 (-)	$226,191 (-) Land $60,000 Building $166,191
2025	$2,559.00	$42,976	$226,191 Land $60,000 Building $166,191
2023		$38,752
2022			$203,959 Land $60,000 Building $143,959

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

FEMA maps place 4578 Clearbrook Dr in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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 100 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	2 in force

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

Wildfire risk around 4578 Clearbrook Dr is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 96% 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 198 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless 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: i3 Broadband, Wisper ISP.

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