St. Louis County property record for 423 S Clay Ave, Saint Louis, MO 63122
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,095 sqft · built 1924 |
| Lot Size | 0.172 acres (7,501 sqft) |
| Owner | Company Name on File |
| Last Sale | $77,000 (Aug 1997) |
| Tax Bill | $3,154 (2025) |
| Deeds & Mortgages | Dec 2025 Mortgage Mar 2017 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 24M-43-0296 |
| Primary APN | 24M-43-0296 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,095 sqft Living Area |
| 1st Floor Area | 1,080 sqft |
| Family Room | Family Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1924 |
|---|---|
| Effective Year Built | Effective 1965 |
| Architectural Style | Bungalow |
| Exterior Material | Brick |
| Foundation Type | Raised |
| Lot Area | 7,501 sqft (0.172 acres) |
| Lot Dimensions | 50 ft deep x 50 ft wide |
| Terrain | Above Road/Slope |
| View / Lot | Cul-De-Sac |
| Porch | Open Frame Porch |
|---|---|
| Porch Area | 14 sqft |
| Deck Area | 144 sqft |
| Patio Area | 119 sqft |
| Balcony Area | 15 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 423 S CLAY AVE |
|---|---|
| City | SAINT LOUIS |
| State | MO |
| Zip | 63122-5807 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 32R4 |
| Legal Description | FRANCES TERRACE LOT PTS 3 & 4 |
| Legal Subdivision | FRANCES TERRACE |
| Legal Lot Number | 3,4 |
| Jurisdiction | ST LOUIS MO |
| Township / Civil Division | BONHOMME |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 218300 |
423 S Clay Ave is owned by a company that acquired it in March 2017.
Source: St. Louis County records, as of September 29, 2026
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 | 340 W JEFFERSON AVE, SAINT LOUIS, MO 63122-4012 |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Dec 18, 2025 | Deed of Trust, Mortgage · Commercial Mortgage KIAVI FUNDING INC |
| Mar 31, 2017 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 21, 1997 · Amount on File |
| Deed Sale | Aug 21, 1997 · Amount on File |
| Prior Sale | Jan 2, 1997 · Amount on File |
| Deed Document Number | 1997477 |
| Deed Book / Page | 1264 / 2046 |
| Last Transfer Date | Mar 27, 2017 |
| Transfer Doc | 0224630713 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MO |
| Property Address | 423 S CLAY AVE, SAINT LOUIS, MO 63122-5807 |
| Transaction Type | Mortgage |
| Record Updated | Feb 4, 2026 |
| Name | Verified Name |
|---|---|
| Address | 340 W JEFFERSON AVE, SAINT LOUIS, MO 63122-4012 |
| Document Number | 2025121800005 |
|---|---|
| Date | Dec 18, 2025 |
| Instrument | 2025121800005 |
| Name | KIAVI FUNDING INC |
|---|---|
| Type | Mortgage Company |
| Address | PITTSBURGH, PA 15212 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ST LOUIS MO |
| Recording Date | Mar 31, 2017 |
| Property Address | 423 S CLAY AVE, SAINT LOUIS, MO 63122-5807 |
| Document Number | 0224630713 |
| Book / Page | 022463 / 000713 |
| Instrument Date | Mar 27, 2017 |
| Instrument | 546 |
| Transaction Type | Transfer |
| Record Updated | Apr 7, 2017 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 340 W JEFFERSON AVE KIRKWOOD MO 631224012, KIRKWOOD, MO 63122-4012 |
The 2025 property tax bill for 423 S Clay Ave was $3,154, up 4.3% from the year before.
Source: St. Louis County assessment roll, as of September 29, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | St. Louis County |
| Municipality | Kirkwood City |
| Unified School District | Kirkwood R-VII School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $55,730 (-) Land $54,040 Building $1,690 | $293,300 (-) Land $284,400 Building $8,900 | |
| 2025 | $3,154.00 (+4.26%) | $55,730 Land $54,040 Building $1,690 | $293,300 Land $284,400 Building $8,900 |
| 2024 | $3,025.00 (+1.61%) | ||
| 2023 | $2,977.00 (+4.97%) | $48,050 (+20.61%) Land $34,730 Building $13,320 | $252,900 Land $182,800 Building $70,100 |
| 2022 | $2,836.00 | $39,840 Land $30,890 Building $8,950 | |
| 2021 | $209,700 Land $162,600 Building $47,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 423 S Clay Ave in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective August 10, 2025
| 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.
The area around 423 S Clay Ave 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 | KIRKWOOD PWS serves 28,000 people · EPA ID MO6010430 |
|---|---|
| Water Source | Purchased surface water from MO AMERICAN ST LOUIS ST CHARLES COUNTIES |
| Last State Inspection | Mar 2026 |
| 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. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 289 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL · Fixed Wireless 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 |
May also be available: Wisper ISP.
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