4587 Clearbrook Dr, Saint Charles, MO 63304 Property Records

St. Charles County property record for 4587 Clearbrook Dr, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,643 sqft · built 1987
Lot Size	0.21 acres (9,148 sqft)
Owner	Individual Name on Record
Last Sale	$169,900 (Feb 2018)
Tax Bill	$2,921 (2025)
Deeds & Mortgages	Oct 2026 Line of Credit Feb 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`A870000812`

Property Details

APN / Parcel Number

Primary APN	`A870000812`
Alternative APN	`3-0016-6030-00-0099.0000000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,643 sqft Living Area
Gross Area	2,247 sqft
1st Floor Area	1,127 sqft
Basement Area	574 sqft
Finished Basement	516 sqft
Unfinished Basement	58 sqft

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	9,148 sqft (0.21 acres)
Garage Type	Attached
Garage Area	546 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	48 sqft
Deck Area	Deck Area
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	A870000812
Street Address	4587 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 99
Legal Subdivision	NOTTINGHAM FOREST #2
Legal Lot Number	99
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	4587 CLEARBROOK DR, SAINT CHARLES, MO 63304-8722
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 14, 2026	Deed of Trust, Mortgage · Line of Credit FIRST COMMUNITY CREDIT UNION
Feb 15, 2022	Deed of Trust, Mortgage · Conventional Mortgage DELMAR FINANCIAL CO
Feb 28, 2018	Warranty Deed, Transfer · FHA Mortgage MICHIGAN MUTUAL INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 28, 2018 · Amount on Record
Deed Sale	Feb 28, 2018 · Amount on Record
Prior Sale	Mar 29, 2016 · Amount on Record
Deed Document Number	2018106760
Deed Book / Page	6884 / 1816
Record Updated	Oct 29, 2026

October 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Recording Date	Oct 14, 2026
Property Address	4587 CLEARBROOK DR, SAINT CHARLES, MO 63304-8722
Document Number	0000048783
Instrument Date	Oct 2, 2026
Instrument	202648783
Transaction Type	Mortgage
Record Updated	Oct 23, 2026
Title Company	TOUCHSTONE TITLE AND ABSTRACT, TOUCHSTONE TITLE & ABSTRACT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4587 CLEARBROOK DR, SAINT CHARLES, MO 63304-8722

Mortgage

Document Number	0000048783,
Date	Oct 14, 2026
Instrument	202648783

Lender

Name	FIRST COMMUNITY CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Oct 1, 2041

Interest

Max Rate	-1%

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	4587 CLEARBROOK DR, SAINT CHARLES, MO 63304-8722
Transaction Type	Mortgage
Record Updated	Mar 1, 2022
Title Company	INVESTORS TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4587 CLEARBROOK DR, SAINT CHARLES, MO 63304-8722

Mortgage

Document Number	0000009107
Date	Feb 15, 2022
Instrument	2022R-009107

Lender

Name	DELMAR FINANCIAL CO
Type	Funding / Finance Company
Address	SAINT LOUIS, MO 63141

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Feb 28, 2018
Property Address	4587 CLEARBROOK DR, SAINT CHARLES, MO 63304-8722
Document Number	0068841816
Book / Page	6884 / 1816
Map Reference	MB 25 PG 114
Instrument Date	Feb 22, 2018
Instrument	20180228000106760
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	US TITLE CORPORATION AND OR

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount from Assessment
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4587 CLEARBROOK DR, 4587, SAINT CHARLES, MO 63304-8722

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4587 CLEARBROOK DR, SAINT CHARLES, MO 63304-8722

Mortgage

Document Number	20180228000106770
Date	Feb 28, 2018
Instrument	20180228000106770

Lender

Name	MICHIGAN MUTUAL INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 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		$49,104 (-)	$258,441 (-) Building $258,441
2025	$2,921.00	$49,104 (+8.77%)	$258,441 (+8.77%)
2023		$45,146
2022			$237,613 Land $60,000 Building $177,613

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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