425 N Lay Ave, Saint Clair, MO 63077 Property Records

Franklin County property record for 425 N Lay Ave, Saint Clair, MO 63077

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 2,225 sqft · built 1950
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on Record
Last Sale	$82,900 (Aug 2007)
Tax Bill	$2,354 (2025)
Deeds & Mortgages	Dec 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`22-7-26.0-4-099-024.000`

Property Details

APN / Parcel Number

Primary APN	`22-7-26.0-4-099-024.000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,225 sqft Living Area

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Construction Type	Frame
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	150 ft deep x 65 ft wide
Garage Area	408 sqft

Location & Zoning

Street Address	425 N LAY AVE
City	SAINT CLAIR
State	MO
Zip	63077-1334
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT SE SE 65X150, W OF LAY AVE, N OF BADER LN
Legal Range	1W
Legal Township	42N
Legal Section	26
Jurisdiction	FRANKLIN MO
Township / Civil Division	CENTRAL
Census Block Group	1
Census Block	1007
Census Tract	800903

Owner

Source: Franklin County records, as of November 11, 2025

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

Owner of Record	Individual Name on Record
Mailing Address	425 N LAY AVE, SAINT CLAIR, MO 63077-1334
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 29, 2007 · Amount on Record
Deed Sale	Aug 29, 2007 · Amount on Record
Prior Sale	Apr 24, 2007 · Amount on Record
Deed Document Number	200719824
Last Transfer Date	Nov 29, 2021
Transfer Doc	0000022670
Record Updated	Sep 20, 2026

December 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	FRANKLIN MO
Recording Date	Dec 6, 2021
Property Address	425 N LAY AVE, SAINT CLAIR, MO 63077-1334
Document Number	0002122670
Instrument Date	Nov 29, 2021
Instrument	2122670
Transaction Type	Transfer
Record Updated	Dec 29, 2021
Title Company	CONTINENTAL TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	425 N LAY AVE, 425, SAINT CLAIR, MO 63077-1334

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	425 N LAY AVE, SAINT CLAIR, MO 63077-1334

Mortgage

Document Number	0002122671
Date	Dec 6, 2021
Instrument	2122671

Lender

Name	FIRST STATE COMMUNITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	372 Months
Due	Jan 1, 2052

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Franklin County assessment roll, as of November 11, 2025

Property Jurisdictions

Type	Name
State	Missouri
County	Franklin County
Municipality	St. Clair City
Unified School District	St. Clair R-XIII School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,354.00 (+10.83%)	$34,947 (+2.47%)	$183,930 (+2.47%) Land $13,520 Building $170,410
2023	$2,124.00 (+118.74%)	$34,103	$179,490 Land $13,520 Building $165,970
2022	$971.00

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.

Flood

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

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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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