St. Louis County property record for 1234 Lay Rd, Saint Louis, MO 63124
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 7 ba · 13,861 sqft · built 2007 |
| Lot Size | 1.03 acres (44,867 sqft) |
| Owner | Company Name on File |
| Last Sale | $1,975,000 (Mar 2010) |
| Tax Bill | $47,739 (2025) |
| Deeds & Mortgages | Oct 2021 Mortgage Jun 2021 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 20L-64-0481 |
| Primary APN | 20L-64-0481 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 7 Baths |
| Half Baths | 4 Half Baths |
| Plumbing Fixtures | 32 Plumbing Fixtures |
| Total Rooms | 19 Rooms |
| Stories | 2 Stories |
| Building Area | 13,861 sqft Living Area |
| Gross Area | 16,763 sqft |
| 1st Floor Area | 3,090 sqft |
| Attic | Attic |
| Attic Area | 667 sqft |
| Basement Area | 2,600 sqft |
| Finished Basement | 2,600 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2007 |
| Architectural Style | Conventional |
| Exterior Material | Brick |
| Foundation Type | Raised |
| Lot Area | 44,867 sqft |
| Lot Dimensions | 145 ft deep x 145 ft wide |
| Garage Type | Attached |
| Garage Area | 1,334 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Open Concrete/Masonry Porch |
| Porch Area | 14 sqft |
| Patio Area | 255 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 1234 LAY RD |
|---|---|
| City | SAINT LOUIS |
| State | MO |
| Zip | 63124-1872 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 49R1C |
| Legal Description | CADY ACRES PARCEL 1 20L640434 5 11 82 |
| Legal Subdivision | CADY ACRES |
| Legal Lot Number | 1 |
| Jurisdiction | ST LOUIS MO |
| Township / Civil Division | CLAYTON |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 216600 |
1234 Lay Rd is owned by a company that acquired it in February 2012.
Source: St. Louis County records, as of September 29, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 1234 LAY RD, SAINT LOUIS, MO 63124-1872 |
| Owner Type | Company |
| Vesting | Borrower in Default |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 21, 2021 | Deed of Trust, Mortgage · Conventional Mortgage US BANK NA |
| Jun 24, 2021 | Deed of Trust, Mortgage · Line of Credit US BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 16, 2010 · Amount on File |
| Deed Sale | Mar 16, 2010 · Amount on File |
| Prior Sale | Nov 9, 2006 · Amount on File |
| Deed Document Number | 2010487 |
| Deed Book / Page | 18835 / 690 |
| Last Transfer Date | Feb 3, 2012 |
| Transfer Doc | 0198511591 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MO |
| Property Address | 1234 LAY RD, SAINT LOUIS, MO 63124-1872 |
| Transaction Type | Mortgage |
| Record Updated | Dec 21, 2021 |
| Title Company | SERVICELINK EAST ESCROW |
| Name | Verified Name |
|---|---|
| Address | 1234 LAY RD, SAINT LOUIS, MO 63124-1872 |
| Document Number | 0251820877 |
|---|---|
| Date | Oct 21, 2021 |
| Book Page | 25182/877 |
| Instrument | 2021102100707 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Nov 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MO |
| Property Address | 1234 LAY RD, SAINT LOUIS, MO 63124-1872 |
| Transaction Type | Mortgage |
| Record Updated | Sep 9, 2021 |
| Title Company | SOLIDIFI TITLE AND CLOSING, SOLIDIFI TITLE & CLOSING LLC |
| Name | Verified Name |
|---|---|
| Address | 1234 LAY RD, SAINT LOUIS, MO 63124-1872 |
| Document Number | 0249441986 |
|---|---|
| Date | Jun 24, 2021 |
| Book Page | 24944/1986 |
| Instrument | 2021062400272 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | SAINT LOUIS, MO 63105 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 1234 Lay Rd was $47,739, up 3.2% from the year before.
Source: St. Louis County assessment roll, as of September 29, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Louis County |
| Municipality | Richmond Heights City |
| Unified School District | Ladue School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $776,990 (-) Land $106,120 Building $670,870 | $4,089,400 (-) Land $558,500 Building $3,530,900 | |
| 2025 | $47,739.00 (+3.24%) | $776,990 Land $106,120 Building $670,870 | $4,089,400 Land $558,500 Building $3,530,900 |
| 2024 | $46,239.00 (+0.06%) | ||
| 2023 | $46,212.00 (+14.11%) | $731,200 (+18.12%) Land $95,670 Building $635,530 | $3,848,400 Land $503,500 Building $3,344,900 |
| 2022 | $40,499.00 | $619,040 Land $74,420 Building $544,620 | |
| 2021 | $3,258,100 Land $391,700 Building $2,866,400 |
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.
FEMA maps place 1234 Lay Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1979.
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 |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 2 (1979–2013) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Jun 2013 · Severe Storms, Straight-line Winds, Tornadoes, And Flooding |
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.
The area around 1234 Lay Rd has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 210 locations within half a mile, as of December 31, 2025
| 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, Wisper ISP.
5G (outdoors only) and 4G LTE
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