4595 Clearbrook Dr, Saint Charles, MO 63304 Property Records

St. Charles County property record for 4595 Clearbrook Dr, Saint Charles, MO 63304

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,515 sqft · built 1988
Lot Size	0.19 acres (8,276 sqft)
Owner	2 Individual Names on Record
Last Sale	$170,000 (Aug 2019)
Tax Bill	$2,611 (2025)
Deeds & Mortgages	May 2021 Mortgage Mar 2018 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`A870000808`

Property Details

APN / Parcel Number

Primary APN	`A870000808`
Alternative APN	`3-0016-6030-00-0095.0000000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,515 sqft Living Area
Gross Area	2,245 sqft
1st Floor Area	895 sqft
Basement Area	875 sqft
Finished Basement	620 sqft
Unfinished Basement	255 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	8,276 sqft (0.19 acres)
Garage Type	Attached
Garage Area	475 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	113 sqft
Deck Area	Deck Area
Patio Area	48 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	A870000808
Street Address	4595 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 95
Legal Subdivision	NOTTINGHAM FOREST #2
Legal Lot Number	95
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	2 Individual Names on Record
Mailing Address	42 FOX HOLLOW DR, SAINT CHARLES, MO 63304-7626
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Mar 28, 2018	Deed of Trust, Mortgage · Line of Credit MIDLAND STATES BANK
Aug 12, 2019	Warranty Deed, Transfer · Conventional Mortgage COMMERCE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 12, 2019 · Amount on Record
Deed Sale	Aug 12, 2019 · Amount on Record
Prior Sale	Sep 22, 2003 · Amount on Record
Deed Document Number	2019421640
Deed Book / Page	7121 / 2077
Record Updated	Oct 29, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	4595 CLEARBROOK DR, SAINT CHARLES, MO 63304-8722
Transaction Type	Mortgage
Record Updated	May 26, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021R041472
Date	May 12, 2021
Instrument	2021R-041472

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	4595 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	0068970525
Date	Mar 28, 2018
Book Page	6897/0525
Instrument	20180328000163720

Lender

Name	MIDLAND STATES BANK
Type	Bank
Address	SAINT LOUIS, MO 63131

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Mar 23, 2028

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST CHARLES MO
Recording Date	Aug 12, 2019
Property Address	4595 CLEARBROOK DR, SAINT CHARLES, MO 63304-8722
Document Number	0071212077
Book / Page	7121 / 2077
Map Reference	MB 25 PG 114
Instrument Date	Aug 7, 2019
Instrument	20190812000421640
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	PRECISION TITLE AGENCY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1 BORDEAUX PL, 1, LAKE SAINT LOUIS, MO 63367-1516

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1 MADISON PARK CT, SAINT PETERS, MO 63376-2290

Mortgage

Document Number	20190812000421650
Date	Aug 12, 2019
Instrument	20190812000421650

Lender

Name	COMMERCE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2049

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		$43,854 (-)	$230,809 (-) Land $60,000 Building $170,809
2025	$2,611.00	$43,854 (+9.26%)	$230,809 (+9.26%) Land $60,000 Building $170,809
2023		$40,138
2022			$211,250 Land $60,000 Building $151,250

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 99.1% of the US · lower than 98.2% 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 494 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: Wisper ISP.

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