1020 S Lay Ave, Saint Clair, MO 63077 Property Records

Franklin County property record for 1020 S Lay Ave, Saint Clair, MO 63077

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 944 sqft · built 1970
Lot Size	0.5 acres (21,780 sqft)
Owner	Individual Name on Record
Last Sale	$199,900 (Jun 2024)
Tax Bill	$1,738 (2025)
Flood Zone	Zone X (minimal risk)
APN	`22-7-36.0-3-099-084.000`

Property Details

APN / Parcel Number

Primary APN	`22-7-36.0-3-099-084.000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	944 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Architectural Style	Split Foyer
Lot Area	21,780 sqft (0.5 acres)

Location & Zoning

Street Address	1020 S LAY AVE
City	SAINT CLAIR
State	MO
Zip	63077-1913
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT NW SW,E OF S LAY AVE 156.52 FRONT
Legal Range	01W
Legal Township	42
Legal Section	36
Legal Quarter	SW
Legal Block	99
Jurisdiction	FRANKLIN MO
Township / Civil Division	CENTRAL
Census Block Group	1
Census Block	1045
Census Tract	800903

Owner

Source: Franklin County records, as of November 10, 2025

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	1020 S LAY AVE, SAINT CLAIR, MO 63077-1913
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 5, 2024 · Amount on Record
Deed Sale	Jun 5, 2024 · Amount on Record
Deed Document Number	2406412
Record Updated	Jun 8, 2026

Tax Assessment & Valuation

Source: Franklin County assessment roll, as of May 31, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,738.00 (+37.61%)	$25,810 (+27.26%)	$135,840 (+27.26%) Land $24,710 Building $111,130
2023	$1,263.00 (+2.02%)	$20,281	$106,740 Land $24,710 Building $82,030
2022	$1,238.00

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 June 4, 2020

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 80% of the US · lower than 84% of Missouri
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	ST CLAIR PWS serves 4,700 people · EPA ID MO6010708
Water Source	Groundwater
Last State Inspection	Nov 2023
Lead	2 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 291 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30
Verizon Fixed Wireless	300 / 20
Wave Internet Technologies Fixed Wireless	100 / 100