St. Louis County property record for 1041 Lay Rd, Saint Louis, MO 63124
| Property Type | Single Family Home |
|---|---|
| Details | 6 bd · 5.5 ba · 6,181 sqft · built 2004 |
| Lot Size | 0.798 acres (34,778 sqft) |
| Owner | 2 Company Names on File |
| Last Sale | $2,135,000 (Jul 2021) |
| Tax Bill | $25,105 (2025) |
| Deeds & Mortgages | Jul 2021 Sale & Mortgage Jun 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 19L-34-0158 |
| Primary APN | 19L-34-0158 |
|---|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 5.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 22 Plumbing Fixtures |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 6,181 sqft Living Area |
| Gross Area | 7,091 sqft |
| 1st Floor Area | 5,581 sqft |
| Basement Area | 600 sqft |
| Finished Basement | 600 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2016 |
| Architectural Style | Conventional |
| Exterior Material | Brick/Stone |
| Construction Type | Frame |
| Foundation Type | No Foundation |
| Lot Area | 34,778 sqft (0.798 acres) |
| Lot Dimensions | 148 ft deep x 148 ft wide |
| Garage Type | Attached |
| Garage Area | 910 sqft |
| Parking Spaces | 4 Parking Spaces |
| Pool Area | 810 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 20 sqft |
| Patio Area | 519 sqft |
| Cooling System | Central |
|---|---|
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 1041 LAY RD |
|---|---|
| City | SAINT LOUIS |
| State | MO |
| Zip | 63124-1839 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 33C |
| Legal Description | CLA-LAY LOT 1 |
| Legal Subdivision | CLA-LAY |
| Legal Lot Number | 1 |
| Jurisdiction | ST LOUIS MO |
| Township / Civil Division | CLAYTON |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 217500 |
Source: St. Louis County records · APN 19L-34-0158
Assessment roll updated September 29, 2025 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on File |
|---|---|
| Mailing Address | 1041 LAY RD, SAINT LOUIS, MO 63124-1839 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Family Living Trust |
| Date | Document |
|---|---|
| Jul 20, 2021 | Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC |
| Jun 16, 2017 | Deed of Trust, Mortgage · Line of Credit CARROLLTON BK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 20, 2021 · Amount on Record |
| Deed Sale | Jul 20, 2021 · Amount on Record |
| Prior Sale | Oct 07, 2016 · Amount on Record |
| Deed Document Number | 2021376 |
| Deed Book / Page | 25000 / 2276 |
| Last Transfer Date | Jul 01, 2024 |
| Transfer Doc | 0000000003 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MO |
| Recording Date | Jul 20, 2021 |
| Property Address | 1041 LAY RD, SAINT LOUIS, MO 63124-1839 |
| Document Number | 0250002276 |
| Book / Page | 25000 / 2276 |
| Map Reference | MB 56 PG 59 |
| Instrument Date | Jul 06, 2021 |
| Instrument | 2021072000376 |
| Transaction Type | Transfer |
| Record Updated | Oct 28, 2021 |
| Title Company | INVESTORS TITLE COMPANY-CLAYTON, INVESTORS TITLE CO CLAYTON |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Verified / From Affidavit |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1041 LAY RD, SAINT LOUIS, MO 63124-1839 |
| Document Number | 2021072000377 |
|---|---|
| Date | Jul 20, 2021 |
| Instrument | 2021072000377 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.87% |
| Type Change Date | Aug 01, 2031 |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 7.87% |
| Index | 1-Month LIBOR |
| Max Rate | 7.87% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MO |
| Property Address | 1041 LAY RD, SAINT LOUIS, MO 63124-1839 |
| Document Number | 0225741579 |
| Book / Page | 022574 / 001579 |
| Instrument Date | Jun 16, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jun 26, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1041 LAY RD ST LOUIS MO 631241839, ST LOUIS, MO 63124-1839 |
| Document Number | 0225741579 |
|---|---|
| Date | Jun 20, 2017 |
| Book Page | 022574/001579 |
| Instrument | 528 |
| Name | CARROLLTON BK |
|---|---|
| Type | Bank |
| Address | CLAYTON, MO 63105 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
Source: St. Louis County records · Assessment roll updated September 29, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Louis County |
| Municipality | Ladue City |
| Unified School District | Ladue School District (KG - 12) |
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 | $25,105.00 (+16.11%) | $386,610 (+20.67%) Land $136,720 Building $249,890 | $2,034,800 (+20.67%) Land $719,600 Building $1,315,200 |
| 2024 | $21,622.00 (+0.19%) | ||
| 2023 | $21,581.00 | $320,380 Land $100,570 Building $219,810 | $1,686,200 Land $529,300 Building $1,156,900 |
Source: FEMA National Flood Hazard Layer, St. Louis County (29189C), as of August 10, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 291892175001, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 7 in force |
| Nearby Flood Claims | 7 (1979–2022) |
| Claims Outside the SFHA | 6 of 7 |
| Most Recent Claim | Jul 2022 · Severe Storms And Flooding |
| Wildfire Risk | Low lower than 98% of the US · lower than 96% of Missouri |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
May also be available: T-Mobile USA, Wisper ISP.
Based on FCC filings for 210 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System, water system MO6010716, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | MO AMERICAN ST LOUIS ST CHARLES COUNTIES private · serves 1,111,000 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Feb 2024 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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