118 S Clay Ave, Ferguson (Saint Louis), MO 63135 Property Records

St. Louis County property record for 118 S Clay Ave, Ferguson, MO 63135

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 3,306 sqft · built 1905
Lot Size	0.9 acres (39,204 sqft)
Owner	Company Name on Record
Last Sale	$152,950 (Dec 2025)
Tax Bill	$4,528 (2025)
Deeds & Mortgages	Mar 2024 Mortgage Dec 2025 Sale & Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`12H-44-0612`

Property Details

APN / Parcel Number

Primary APN	`12H-44-0612`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,306 sqft Living Area
1st Floor Area	1,452 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1905
Effective Year Built	Effective 2021
Architectural Style	Old Style
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Raised
Lot Area	39,204 sqft (0.9 acres)
Lot Dimensions	403 ft deep x 100 ft wide
View / Lot	Cul-De-Sac
Garage Type	Detached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	740 sqft
Patio Area	560 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	118 S CLAY AVE
City	FERGUSON
State	MO
Zip	63135-2448
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	22R-1C
Legal Description	LOC E LN CLAY AVE 235 FT N OF ADAMS ST
Jurisdiction	ST LOUIS MO
Township / Civil Division	FERGUSON
Census Block Group	1
Census Block	1007
Census Tract	212500

Owner

Source: St. Louis County records, as of October 21, 2026

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

Owner of Record	Company Name on Record
Mailing Address	PO BOX 37057, SAINT LOUIS, MO 63141-1557
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Mar 21, 2024	Deed of Trust, Mortgage · Conventional Mortgage STIFEL BANK & TRUST
Dec 22, 2025	Warranty Deed, Transfer · Line of Credit CARROLLTON BANK
Mar 30, 2022	Warranty Deed, Transfer · Conventional Mortgage BELL BANK
Nov 24, 2020	Deed of Trust, Mortgage · Line of Credit HERITAGE COMMUNITY BANK
Mar 20, 2020	Warranty Deed, Transfer ATTORNEY ONLY
Sep 4, 2019	Quit Claim Deed, Transfer CONTINENTAL, CONTINENTAL TITLE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 22, 2025 · Amount on Record
Deed Sale	Dec 22, 2025 · Amount on Record
Prior Sale	Jan 2, 2024 · Amount on Record
Deed Document Number	2025326
Prior Transfer Date	Jul 3, 2019
Prior Transfer Doc	02368202231
Record Updated	Oct 29, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	118 S CLAY AVE, FERGUSON, MO 63135-2448
Transaction Type	Mortgage
Record Updated	Feb 4, 2026
Title Company	TITLE PARTNERS AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13315 TREE TOP VIEW CT, SAINT LOUIS, MO 63141-5810
Investor	Possibly a Property Investor

Mortgage

Document Number	2024032100265
Date	Mar 21, 2024
Instrument	2024032100265

Lender

Name	STIFEL BANK & TRUST
Type	Bank
Address	SAINT LOUIS, MO 63141

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	6.37%
Type Change Date	Apr 1, 2029
Change Frequency	6 Months
Min Rate At Change	4.37%
Max Rate At Change	8.37%
Index	SOFR Average 30-Day
Margin	3
Max Rate	11.3%

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MO
Recording Date	Dec 22, 2025
Property Address	118 S CLAY AVE, FERGUSON, MO 63135-2448
Document Number	2025122200326
Map Reference	MB 509 PG 445
Instrument Date	Dec 19, 2025
Instrument	2025122200326
Transaction Type	Transfer
Record Updated	Feb 4, 2026
Title Company	TITLE PARTNERS AGENCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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	3636 S GEYER RD STE 125, 125, SAINT LOUIS, MO 63127-1252

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 37057, CREVE COEUR, MO 63141-1557

Mortgage

Document Number	2025122200327
Date	Dec 22, 2025
Instrument	2025122200327

Lender

Name	CARROLLTON BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MO
Recording Date	Mar 30, 2022
Property Address	118 S CLAY AVE, FERGUSON, MO 63135-2448
Document Number	2022033000154
Instrument Date	Mar 25, 2022
Instrument	2022033000154
Transaction Type	Transfer
Record Updated	Jun 29, 2022
Title Company	TITLE PARTNERS AGENCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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	7804 MURDOCH AVE, 7804, SAINT LOUIS, MO 63119-2819

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	118 S CLAY AVE, FERGUSON, MO 63135-2448

Mortgage

Document Number	2022033000155
Date	Mar 30, 2022
Instrument	2022033000155

Lender

Name	BELL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2037

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MO
Property Address	118 S CLAY AVE, FERGUSON, MO 63135-2448
Transaction Type	Mortgage
Record Updated	Sep 1, 2021
Title Company	CONTINENTAL TITLE HOLDING COMPANY, CONTINENTAL TITLE HOLDING CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7804 MURDOCH AVE, SAINT LOUIS, MO 63119-2819

Mortgage

Document Number	0244625277
Date	Nov 24, 2020
Book Page	24462/5277
Instrument	2020112400145

Lender

Name	HERITAGE COMMUNITY BANK
Type	Bank
Address	UNION, MO 63084

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Nov 28, 2021

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MO
Recording Date	Mar 20, 2020
Property Address	118 S CLAY AVE, FERGUSON, MO 63135-2448
Document Number	0239741344
Book / Page	023974 / 001344
Instrument Date	Mar 16, 2020
Instrument	184
Transaction Type	Transfer
Record Updated	Jun 30, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	547 ODIN DR CONCORD CA 945231806, CONCORD, CA 94523-1806
Investor	Possibly a Property Investor

September 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST LOUIS MO
Recording Date	Sep 4, 2019
Property Address	118 S CLAY AVE, FERGUSON, MO 63135-2448
Document Number	0236822231
Book / Page	023682 / 002231
Instrument Date	Jul 3, 2019
Instrument	438
Transaction Type	Transfer
Record Updated	Sep 26, 2019
Title Company	CONTINENTAL, CONTINENTAL TITLE CO

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	408 CEDAR OAK CT ST PETERS MO 633761735, ST PETERS, MO 63376-1735

Tax Assessment & Valuation

Source: St. Louis County assessment roll, as of September 29, 2026

Property Jurisdictions

Type	Name
State	Missouri
County	St. Louis County
Municipality	Ferguson City
Unified School District	Ferguson-Florissant R-II School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$66,290 (-) Land $8,590 Building $57,700	$348,900 (-) Land $45,200 Building $303,700
2025	$4,528.00 (+11.86%)	$66,290 (+17.51%) Land $8,590 Building $57,700	$348,900 (+17.51%) Land $45,200 Building $303,700
2024	$4,048.00 (+0.57%)
2023	$4,025.00 (+27.53%)	$56,410 (+45.27%) Land $4,940 Building $51,470	$296,900 (+45.25%) Land $26,000 Building $270,900
2022	$3,156.00	$38,830 Land $5,660 Building $33,170
2021			$204,400 Land $29,800 Building $174,600

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 10, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 11 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	11 in force
Nearby Flood Claims	12 (1979–2024)
Claims Outside the SFHA	2 of 12
Most Recent Claim	Nov 2024 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, Jul 2022 · 3 claims Severe Storms, Flooding, And A Tornado, Sep 2008 · 2 claims

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 98% of the US · lower than 96% 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 417 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

118 S Clay Ave, Ferguson (Saint Louis), MO 63135 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

March 2024: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

December 2025: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

March 2022: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

November 2020: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

March 2020: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

September 2019: Quit Claim Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood

Wildfire

Drinking Water

Violations Reported to EPA

Internet Providers

Nearby Properties on S Clay Ave

Nearby Streets

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