St. Louis County property record for 427 S Clay Ave, Saint Louis, MO 63122
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,056 sqft · built 1925 |
| Lot Size | 0.172 acres (7,501 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $2,995 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 24M-43-0197 |
| Primary APN | 24M-43-0197 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,056 sqft Living Area |
| 1st Floor Area | 1,056 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1925 |
|---|---|
| Effective Year Built | Effective 1925 |
| 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 | 154 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 427 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 5-6 S 25 FEET OF LOT 5 & N 25 FEET OF LOT 6 |
| Legal Subdivision | FRANCES TERRACE |
| Legal Lot Number | 5-6 |
| Jurisdiction | ST LOUIS MO |
| Township / Civil Division | BONHOMME |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 218300 |
427 S Clay Ave is owned and occupied by an individual.
Source: St. Louis County records, as of September 29, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 427 S CLAY AVE, SAINT LOUIS, MO 63122-5807 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
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 |
|---|---|
| Record Updated | Oct 29, 2026 |
The 2025 property tax bill for 427 S Clay Ave was $2,995, up 3.6% 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 | $52,900 (-) Land $52,860 Building $40 | $278,400 (-) Land $278,200 Building $200 | |
| 2025 | $2,995.00 (+3.6%) | $52,900 Land $52,860 Building $40 | $278,400 Land $278,200 Building $200 |
| 2024 | $2,891.00 (+1.62%) | ||
| 2023 | $2,845.00 (+5.88%) | $45,900 (+21.59%) Land $34,730 Building $11,170 | $241,600 Land $182,800 Building $58,800 |
| 2022 | $2,687.00 | $37,750 Land $30,890 Building $6,860 | |
| 2021 | $198,700 Land $162,600 Building $36,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 427 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.
Wildfire risk around 427 S Clay Ave is low, with less than 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 99.1% of the US · lower than 98.2% of Missouri |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond 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 460 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless, DSL in parts of the area | 5,000 / 5,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Verizon, Wisper ISP.
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