Franklin County property record for 420 N Lay Ave, Saint Clair, MO 63077
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,018 sqft · built 1982 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Company Name on File |
| Tax Bill | $1,608 (2025) |
| Deeds & Mortgages | Mar 2023 Mortgage Mar 2020 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 22-7-25.0-3-016-218.000 |
| Primary APN | 22-7-25.0-3-016-218.000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,018 sqft Living Area |
| Year Built | Built 1982 |
|---|---|
| Architectural Style | Split Level |
| Lot Area | 8,712 sqft (0.2 acres) |
| Street Address | 420 N LAY AVE |
|---|---|
| City | SAINT CLAIR |
| State | MO |
| Zip | 63077-1339 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT:11 BERKEL ADDN |
| Legal Range | 01W |
| Legal Township | 42 |
| Legal Section | 25 |
| Legal Quarter | SW |
| Legal Subdivision | BERKEL |
| Legal Block | 16 |
| Legal Lot Number | 11 |
| Jurisdiction | FRANKLIN MO |
| Township / Civil Division | CENTRAL |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 800903 |
420 N Lay Ave is owned by a company that acquired it in February 2015 and is owner-occupied.
Source: Franklin County records, as of November 10, 2025
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 420 N LAY AVE, SAINT CLAIR, MO 63077-1339 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Date | Document |
|---|---|
| Mar 21, 2023 | Deed of Trust, Mortgage · USDA Mortgage USDA |
| Mar 12, 2020 | Loan Modification, Mortgage LAKEVIEW LN SERVICING |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 8, 2014 |
| Deed Sale | Sep 8, 2014 |
| Prior Sale | Sep 8, 2014 |
| Deed Document Number | 0000011869 |
| Last Transfer Date | Feb 27, 2015 |
| Transfer Doc | 0000002526 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN MO |
| Property Address | 420 N LAY AVE, SAINT CLAIR, MO 63077-1339 |
| Transaction Type | Mortgage |
| Record Updated | Jan 27, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0002303240 |
|---|---|
| Date | Mar 21, 2023 |
| Instrument | 2303240 |
| Name | USDA |
|---|---|
| Type | Government Agency |
| Type | USDA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 276 Months |
| Due | Mar 1, 2046 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | FRANKLIN MO |
| Property Address | 420 N LAY AVE, SAINT CLAIR, MO 63077-1339 |
| Document Number | 0000006242 |
| Instrument Date | Mar 12, 2020 |
| Transaction Type | Mortgage |
| Record Updated | May 21, 2020 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 420 N LAY AVE ST CLAIR MO 630771339, ST CLAIR, MO 63077-1339 |
| Document Number | 0000006242 |
|---|---|
| Date | May 4, 2020 |
| Instrument | 6242 |
| Name | LAKEVIEW LN SERVICING |
|---|---|
| Type | Funding / Finance Company |
| Address | JACKSONVILLE, FL 32202 |
| Amount | Amount on Record |
|---|---|
| Term | 300 Months |
| Due | May 3, 2045 |
| Rate | 4.25% |
|---|
The 2025 property tax bill for 420 N Lay Ave was $1,608.
Source: Franklin County assessment roll, as of May 31, 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 | $1,608.00 | $23,883 | $125,700 Land $13,440 Building $112,260 |
| 2023 | $1,191.00 (+8.97%) | $19,122 | $100,640 Land $13,440 Building $87,200 |
| 2022 | $1,093.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 420 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 420 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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