Franklin County property record for 395 N Lay Ave, Saint Clair, MO 63077
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,218 sqft · built 1940 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Company Name on File |
| Last Sale | $133,000 (May 2025) |
| Tax Bill | $1,224 (2025) |
| Deeds & Mortgages | May 2025 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 22-7-26.0-4-003-027.100 |
| Primary APN | 22-7-26.0-4-003-027.100 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,218 sqft Living Area |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1940 |
| Construction Type | Frame |
| Lot Area | 8,712 sqft (0.2 acres) |
| Patio Area | 150 sqft |
| Street Address | 395 N LAY AVE |
|---|---|
| City | SAINT CLAIR |
| State | MO |
| Zip | 63077-1338 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT:PT1&PT2 H A HIBBARDS |
| Legal Range | 1W |
| Legal Township | 42N |
| Legal Section | 26 |
| Legal Subdivision | H A HIBBARDS |
| Legal Lot Number | 1 |
| Jurisdiction | FRANKLIN MO |
| Township / Civil Division | CENTRAL |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 800903 |
395 N Lay Ave is owned by a company that bought it in May 2025.
Source: Franklin County records, as of April 14, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 395 N LAY AVE, SAINT CLAIR, MO 63077-1338 |
| Owner Type | Company |
| Vesting | Limited Liability Company |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 9, 2025 · Amount on File |
| Deed Sale | May 9, 2025 · Amount on File |
| Prior Sale | Sep 27, 2016 · Amount on File |
| Deed Document Number | 2025316 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FRANKLIN MO |
| Recording Date | May 9, 2025 |
| Property Address | 395 N LAY AVE, SAINT CLAIR, MO 63077-1338 |
| Document Number | 0002505316 |
| Map Reference | PB C PG 52 |
| Instrument Date | May 7, 2025 |
| Instrument | 2505316 |
| Transaction Type | Transfer |
| Record Updated | Nov 11, 2025 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 776 SAINT LOUIS INN RD, SAINT CLAIR, MO 63077-4224 |
| Name | Verified Name |
|---|---|
| Address | 1696 OPEECHEE BEACH RD, PACIFIC, MO 63069-4301 |
| Document Number | 0002505317 |
|---|---|
| Date | May 9, 2025 |
| Instrument | 2505317 |
| Name | SULLIVAN BANK |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
The 2025 property tax bill for 395 N Lay Ave was $1,224.
Source: Franklin County assessment roll, as of November 11, 2025
| Type | Name |
|---|---|
| State | Missouri |
| County | Franklin County |
| Municipality | St. Clair City |
| Unified School District | St. Clair R-XIII School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,224.00 | $18,170 | $95,630 Land $12,910 Building $82,720 |
| 2023 | $1,033.00 (+9.08%) | $16,589 | $87,310 Land $12,910 Building $74,400 |
| 2022 | $947.00 |
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.
FEMA maps place 395 N Lay Ave in Zone X, an area of minimal flood risk.
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 risk around 395 N Lay Ave is low, with a 0.01% annual chance of 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 | Direct burnable vegetation |
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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 98 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Wisper ISP Fixed Wireless | 400 / 30 |
| Wave Internet Technologies Fixed Wireless | 100 / 100 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Verizon.
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