102 N Lay Ave, Saint Clair, MO 63077 Property Records

Franklin County property record for 102 N Lay Ave, Saint Clair, MO 63077 · Last verified November 2025

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,347 sqft · built 2013
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Owner Names on File
Tax Bill	$1,951 (2025)
Deeds & Mortgages	May 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`22-7-36.0-2-029-349.200`

Property Details

APN / Parcel Number

Primary APN	`22-7-36.0-2-029-349.200`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,347 sqft Living Area

Exterior

Year Built	Built 2013
Construction Type	Frame
Lot Area	8,712 sqft (0.2 acres)

Location & Zoning

Street Address	102 N LAY AVE
City	SAINT CLAIR
State	MO
Zip	63077-1311
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT:A BOLAND'S
Legal Range	01W
Legal Township	42
Legal Section	36
Legal Subdivision	BOLAND'S
Legal Lot Number	A
Jurisdiction	FRANKLIN MO
Township / Civil Division	CENTRAL
Census Block Group	1
Census Block	1016
Census Tract	800903

Owner

Source: Franklin County records · APN 22-7-36.0-2-029-349.200

Assessment roll updated May 31, 2025 · Last verified November 2025

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

Owner of Record	2 Owner Names on File
Mailing Address	102 S LAY AVE, SAINT CLAIR, MO 63077
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 02, 2014
Deed Sale	May 02, 2014
Deed Document Number	1405372
Record Updated	Jun 08, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	102 N LAY AVE, SAINT CLAIR, MO 63077-1311
Transaction Type	Mortgage
Record Updated	Jun 01, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002207391
Date	May 06, 2022
Instrument	2207391

Lender

Name	LEGENDS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Apr 26, 2032

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Franklin County records · Assessment roll updated May 31, 2025 · Last verified November 2025

Property Jurisdictions

Type	Name
State	Missouri
County	Franklin County
Municipality	St. Clair City
Unified School District	St. Clair R-XIII School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,951.00 (+7.91%)	$28,967 (-0.22%)	$152,460 (-0.22%) Land $13,680 Building $138,780
2023	$1,808.00 (-3.52%)	$29,032	$152,800 Land $13,680 Building $139,120
2022	$1,874.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Franklin County (29071C), updated June 4, 2020 · 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

Wildfire

Wildfire Risk	Low above 20% of the US · above 15% of Missouri
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Indirect within ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 318 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
Wisper ISP	Fixed Wireless	400 / 30
Verizon	Fixed Wireless	300 / 20
Wave Internet Technologies	Fixed Wireless (unlicensed)	100 / 100
T-Mobile USA	Fixed Wireless	100 / 20

May also be available at this address: Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.