4585 Clearbrook Dr, Saint Charles, MO 63304 Property Records

St. Charles County property record for 4585 Clearbrook Dr, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,364 sqft · built 1986
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on Record
Last Sale	$155,000 (Mar 2018)
Tax Bill	$2,525 (2025)
Deeds & Mortgages	Jul 2020 Mortgage Mar 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`A870000813`

Property Details

APN / Parcel Number

Primary APN	`A870000813`
Alternative APN	`3-0016-6030-00-0100.0000000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,364 sqft Living Area
Gross Area	2,184 sqft
1st Floor Area	864 sqft
Basement Area	864 sqft
Finished Basement	500 sqft
Unfinished Basement	364 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	10,019 sqft (0.23 acres)
Garage Type	Attached
Garage Area	456 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	98 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A870000813
Street Address	4585 CLEARBROOK DR
City	SAINT CHARLES
State	MO
Zip	63304-8722
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NOTTINGHAM FOREST #2 LOT 100
Legal Subdivision	NOTTINGHAM FOREST #2
Legal Lot Number	100
Jurisdiction	ST CHARLES MO
Township / Civil Division	COTTLEVILLE
Census Block Group	4
Census Block	4002
Census Tract	311122

Owner

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	4585 CLEARBROOK DR, SAINT CHARLES, MO 63304-8722
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 31, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN BANK OF MISSOURI
Mar 6, 2018	Warranty Deed, Transfer · FHA Mortgage AMERICAN BK/BRADENTON

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 6, 2018 · Amount on Record
Deed Sale	Mar 6, 2018 · Amount on Record
Prior Sale	Mar 6, 2018 · Amount on Record
Deed Document Number	2018120960
Deed Book / Page	6887 / 2442
Prior Transfer Date	Feb 23, 2018
Prior Transfer Doc	0068872440
Record Updated	Oct 29, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	4585 CLEARBROOK DR, SAINT CHARLES, MO 63304-8722
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0073592153
Date	Jul 31, 2020
Book Page	7359/2153
Instrument	20200731000544030

Lender

Name	AMERICAN BANK OF MISSOURI
Type	Bank
Address	WRIGHT CITY, MO 63390

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Aug 1, 2035

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Mar 6, 2018
Property Address	4585 CLEARBROOK DR, SAINT CHARLES, MO 63304-8722
Document Number	0068872442
Book / Page	006887 / 002442
Instrument Date	Feb 28, 2018
Instrument	120960
Transaction Type	Transfer
Record Updated	Apr 2, 2018
Title Company	SELECT TITLE GROUP

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	4585 CLEARBROOK DR ST CHARLES MO 633048722, ST CHARLES, MO 63304-8722

Mortgage

Document Number	68872444
Date	Mar 6, 2018
Book Page	006887/002444
Instrument	120970

Lender

Name	AMERICAN BK/BRADENTON
Type	Bank
Address	WRIGHT CITY, MO 63390

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 5, 2048

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		$42,388 (-)	$223,095 (-) Land $60,000 Building $163,095
2025	$2,525.00 (+8.46%)	$42,388 (+9.25%)	$223,095 (+9.25%) Land $60,000 Building $163,095
2024	$2,328.00
2023		$38,798
2022			$204,200 Land $60,000 Building $144,200

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 500 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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