4582 Clearbrook Dr, Saint Charles, MO 63304 Property Records

St. Charles County property record for 4582 Clearbrook Dr, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,100 sqft · built 1988
Lot Size	0.34 acres (14,810 sqft)
Owner	Company Name on Record
Last Sale	$185,000 (Nov 2024)
Tax Bill	$2,505 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Jun 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`A870000792`

Property Details

APN / Parcel Number

Primary APN	`A870000792`
Alternative APN	`3-0016-6030-00-0071.0000000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,100 sqft Living Area
Gross Area	2,170 sqft
1st Floor Area	850 sqft
Basement Area	840 sqft
Finished Basement	250 sqft
Unfinished Basement	590 sqft

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Architectural Style	Ranch
Exterior Material	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	14,810 sqft (0.34 acres)
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	113 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A870000792
Street Address	4582 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 71
Legal Subdivision	NOTTINGHAM FOREST #2
Legal Lot Number	71
Jurisdiction	ST CHARLES MO
Township / Civil Division	COTTLEVILLE
Census Block Group	4
Census Block	4001
Census Tract	311122

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	608 BEMIS HEIGHTS PL, SAINT CHARLES, MO 63303-1752
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Mar 20, 2026	Deed of Trust, Mortgage · Commercial Mortgage BANK OF SPRINGFIELD
Jun 17, 2019	Warranty Deed, Transfer F&B ACQUISITION
Apr 26, 2017	Warranty Deed, Transfer STIFEL BK&TR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 4, 2024 · Amount on Record
Deed Sale	Nov 4, 2024 · Amount on Record
Prior Sale	Jun 17, 2019 · Amount on Record
Deed Document Number	202446136
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	4582 CLEARBROOK DR, SAINT CHARLES, MO 63304-8719
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	608 BEMIS HEIGHTS PL, SAINT CHARLES, MO 63303-1752

Mortgage

Document Number	0000012896
Date	Mar 20, 2026
Instrument	2026R-012896

Lender

Name	BANK OF SPRINGFIELD
Type	Bank
Address	SPRINGFIELD, IL 62794

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Jun 17, 2019
Property Address	4582 CLEARBROOK DR, SAINT CHARLES, MO 63304-8719
Document Number	0070901134
Book / Page	007090 / 001134
Instrument Date	Jun 13, 2019
Instrument	296850
Transaction Type	Transfer
Record Updated	Jul 16, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
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
Address	4582 CLEARBROOK DR ST CHARLES MO 633048719, ST CHARLES, MO 63304-8719

Mortgage

Document Number	70901156
Date	Jun 17, 2019
Book Page	007090/001156
Instrument	296880

Lender

Name	F&B ACQUISITION
Address	SAINT LOUIS, MO 63131

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 16, 2049

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Apr 26, 2017
Property Address	4582 CLEARBROOK DR, SAINT CHARLES, MO 63304-8719
Document Number	0067331394
Book / Page	006733 / 001394
Instrument Date	Apr 21, 2017
Instrument	250740
Transaction Type	Transfer
Record Updated	Jun 20, 2017
Title Company	COMMONWEALTH LAND TITLE INSURANCE, COMMONWEALTH LAND TITLE

Transaction

Amount	Amount Recorded
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
Address	4582 CLEARBROOK DR ST CHARLES MO 633048719, ST CHARLES, MO 63304-8719

Mortgage

Document Number	67331396
Date	Apr 26, 2017
Book Page	006733/001396
Instrument	250750

Lender

Name	STIFEL BK&TR
Type	Bank
Address	SAINT LOUIS, MO 63141

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Apr 25, 2047

Tax Assessment & Valuation

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		$42,053 (-)	$221,329 (-) Land $60,000 Building $161,329
2025	$2,505.00 (+8.39%)	$42,053 (+9.21%)	$221,329 (+9.21%) Land $60,000 Building $161,329
2024	$2,311.00
2023		$38,507
2022			$202,667 Land $60,000 Building $142,667

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

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

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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