St. Louis County property record for 425 S Clay Ave, Saint Louis, MO 63122
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 1,020 sqft · built 1926 |
| Lot Size | 0.172 acres (7,501 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $185,000 (Aug 2008) |
| Tax Bill | $3,205 (2025) |
| Deeds & Mortgages | Sep 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 24M-43-0252 |
| Primary APN | 24M-43-0252 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,020 sqft Living Area |
| 1st Floor Area | 850 sqft |
| Game Room | Game Room |
| Year Built | Built 1926 |
|---|---|
| Effective Year Built | Effective 1926 |
| Architectural Style | Bungalow |
| Exterior Material | Brick |
| Foundation Type | Raised |
| Lot Area | 7,501 sqft (0.172 acres) |
| Lot Dimensions | 150 ft deep x 50 ft wide |
| Terrain | Above Road/Slope |
| View / Lot | Cul-De-Sac |
| Porch | Open Concrete/Masonry Porch |
|---|---|
| Porch Area | 150 sqft |
| Deck Area | 72 sqft |
| Patio Area | 72 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 425 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 | FRANCIS TERRACE LOT PTS 4 & 5 S PT 4 & N PT 5 |
| Legal Subdivision | FRANCIS TERRACE |
| Legal Lot Number | 4,5 |
| Jurisdiction | ST LOUIS MO |
| Township / Civil Division | BONHOMME |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 218300 |
Source: St. Louis County records, as of October 21, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 425 S CLAY AVE, SAINT LOUIS, MO 63122-5807 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 21, 2008 · Amount on Record |
| Deed Sale | Aug 21, 2008 · Amount on Record |
| Prior Sale | Jul 1, 2004 · Amount on Record |
| Deed Document Number | 2008308 |
| Deed Book / Page | 18000 / 1209 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MO |
| Recording Date | Sep 29, 2026 |
| Property Address | 425 S CLAY AVE, SAINT LOUIS, MO 63122-5807 |
| Document Number | 0000000329 |
| Instrument Date | Sep 23, 2026 |
| Instrument | 2026929329 |
| Transaction Type | Mortgage |
| Record Updated | Oct 21, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 425 S CLAY AVE, SAINT LOUIS, MO 63122-5807 |
| Document Number | 0000000329, |
|---|---|
| Date | Sep 29, 2026 |
| Instrument | 2026929329 |
| Name | ENTERPRISE BANK & TRUST COMPANY |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
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 | $56,640 (-) Land $54,040 Building $2,600 | $298,100 (-) Land $284,400 Building $13,700 | |
| 2025 | $3,205.00 (+7.23%) | $56,640 (+19.29%) Land $54,040 Building $2,600 | $298,100 (+19.29%) Land $284,400 Building $13,700 |
| 2024 | $2,989.00 (+1.6%) | ||
| 2023 | $2,942.00 (+1.27%) | $47,480 (+16.34%) Land $34,730 Building $12,750 | $249,900 (+16.34%) Land $182,800 Building $67,100 |
| 2022 | $2,905.00 | $40,810 Land $30,890 Building $9,920 | |
| 2021 | $214,800 Land $162,600 Building $52,200 |
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.
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.
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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