1015 Lay Rd, Saint Louis, MO 63124 Property Records

St. Louis County property record for 1015 Lay Rd, Saint Louis, MO 63124 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 5,433 sqft · built 1961
Lot Size	0.859 acres (37,418 sqft)
Owner	2 Individual Names on File
Last Sale	$912,650 (Dec 2020)
Tax Bill	$14,880 (2024)
Deeds & Mortgages	Dec 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`19L-34-0257`

Property Details

APN / Parcel Number

Primary APN	`19L-34-0257`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	19 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	1 Story
Building Area	5,433 sqft Living Area
Gross Area	5,962 sqft
1st Floor Area	4,233 sqft
Basement Area	1,200 sqft
Finished Basement	1,200 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1961
Effective Year Built	Effective 2013
Architectural Style	Split Level
Exterior Material	Brick
Foundation Type	No Foundation
Lot Area	37,418 sqft (0.859 acres)
Lot Dimensions	170 ft deep x 148 ft wide
Garage Type	Attached
Garage Area	529 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	108 sqft
Deck Area	Deck Area
Patio Area	330 sqft
Balcony Area	26 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1015 LAY RD
City	SAINT LOUIS
State	MO
Zip	63124-1839
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CLA-LAY LOT PTS 2 & 3 N PART 2 & S PART 3
Legal Subdivision	CLA-LAY
Legal Lot Number	2,3
Jurisdiction	ST LOUIS MO
Township / Civil Division	CLAYTON
Census Block Group	1
Census Block	1000
Census Tract	217500

Owner

Source: St. Louis County records · APN 19L-34-0257

Assessment roll updated September 29, 2025 · Last verified April 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 File
Mailing Address	1015 LAY RD, SAINT LOUIS, MO 63124-1839
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 30, 2020 · Amount on Record
Deed Sale	Dec 30, 2020 · Amount on Record
Prior Sale	Sep 02, 2009 · Amount on Record
Deed Document Number	2020494
Deed Book / Page	24548 / 2597
Prior Transfer Date	Jul 02, 2004
Prior Transfer Doc	0159550502
Record Updated	Jun 08, 2026

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MO
Recording Date	Dec 30, 2020
Property Address	1015 LAY RD, SAINT LOUIS, MO 63124-1839
Document Number	0245482597
Book / Page	24548 / 2597
Map Reference	MB 56 PG 59
Instrument Date	Dec 17, 2020
Instrument	2020123000494
Transaction Type	Transfer
Record Updated	Jun 16, 2021
Title Company	TITLE PARTNERS AGENCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1160 LAY RD, 1160, SAINT LOUIS, MO 63124-1851

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1015 LAY RD, SAINT LOUIS, MO 63124-1839

Mortgage

Document Number	2020123000495
Date	Dec 30, 2020
Instrument	2020123000495

Lender

Name	UMB BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jan 01, 2036

Tax Assessment & Valuation

Source: St. Louis County records · Assessment roll updated September 29, 2025 · Last verified April 2026

Property Jurisdictions

Type	Name
State	Missouri
County	St. Louis County
Municipality	Ladue City
Unified School District	Ladue School District (KG - 12)

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$230,330 (+4.47%) Land $139,590 Building $90,740	$1,212,300 (+4.47%) Land $734,700 Building $477,600
2024	$14,880.00 (+0.19%)
2023	$14,852.00	$220,480 Land $101,520 Building $118,960	$1,160,400 Land $534,300 Building $626,100

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Louis County (29189C), updated August 10, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 291892175001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 7 individual NFIP policies nearby
Nearby Flood Policies	7 in force 6 of 7 on primary residences
Nearby Flood Claims	7 (1979–2022)
Claims Outside the SFHA	6 of 7
Most Recent Claim	Jul 2022, rainfall accumulation, Severe Storms And Flooding

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.