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

Franklin County property record for 435 N Lay Ave, Saint Clair, MO 63077

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,263 sqft · built 1940
Lot Size	0.3 acres (13,068 sqft)
Owner	Individual Name on Record
Last Sale	$75,000 (Nov 2010)
Tax Bill	$1,301 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`22-7-26.0-4-002-023.000`

Property Details

APN / Parcel Number

Primary APN	`22-7-26.0-4-002-023.000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,263 sqft Living Area

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Construction Type	Frame
Lot Area	13,068 sqft (0.3 acres)
Garage Area	640 sqft
Patio Area	144 sqft

Location & Zoning

Street Address	435 N LAY AVE
City	SAINT CLAIR
State	MO
Zip	63077-1334
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT:PT1&PT2 DONALD LEE ADDITION
Legal Range	1W
Legal Township	42N
Legal Section	26
Legal Subdivision	DONALD LEE
Legal Lot Number	1
Jurisdiction	FRANKLIN MO
Township / Civil Division	CENTRAL
Census Block Group	1
Census Block	1007
Census Tract	800903

Owner

Source: Franklin County records, as of July 20, 2026

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	435 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	Nov 22, 2010 · Amount on Record
Deed Sale	Nov 22, 2010 · Amount on Record
Prior Sale	May 14, 2010 · Amount on Record
Deed Document Number	201019714
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Recording Date	Jun 30, 2026
Property Address	435 N LAY AVE, SAINT CLAIR, MO 63077-1334
Document Number	0002608514
Instrument Date	Jun 22, 2026
Instrument	20262608514
Transaction Type	Mortgage
Record Updated	Jul 20, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	435 N LAY AVE, SAINT CLAIR, MO 63077-1334

Mortgage

Document Number	0002608514,
Date	Jun 30, 2026
Instrument	20262608514

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jul 17, 2046

Interest

Rate	6.51%
Max Rate	-1%

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	$1,301.00 (+14.22%)	$19,318 (+5.6%)	$101,670 (+5.6%) Land $18,720 Building $82,950
2023	$1,139.00 (+3.92%)	$18,293	$96,280 Land $18,720 Building $77,560
2022	$1,096.00

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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