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

Franklin County property record for 437 N Lay Ave, Saint Clair, MO 63077

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,324 sqft · built 1960
Lot Size	0.5 acres (21,780 sqft)
Owner	Individual Name on File
Tax Bill	$1,702 (2025)
Deeds & Mortgages	Mar 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`22-7-26.0-4-005-022.000`

Property Details

APN / Parcel Number

Primary APN	`22-7-26.0-4-005-022.000`
Alternative APN	`2272604002022000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,324 sqft Living Area

Exterior

Year Built	Built 1960
Architectural Style	A-Frame
Construction Type	Frame
Lot Area	21,780 sqft (0.5 acres)
Shed	1 Shed

Location & Zoning

Old Parcel Number	2272604002022000
Street Address	437 N LAY AVE
City	SAINT CLAIR
State	MO
Zip	63077-1334
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT:7A DONALD LEE ADDN RS
Legal Range	01W
Legal Township	42
Legal Section	26
Legal Quarter	SE
Legal Subdivision	DONALD LEE
Legal Block	5
Legal Lot Number	7A
Jurisdiction	FRANKLIN MO
Township / Civil Division	CENTRAL
Census Block Group	1
Census Block	1007
Census Tract	800903

Owner

Source: Franklin County assessment roll, as of May 31, 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 File
Mailing Address	437 N LAY AVE, SAINT CLAIR, MO 63077-1334
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 28, 2019
Deed Sale	Mar 28, 2019
Prior Sale	Jul 2, 2008
Deed Document Number	1903611
Record Updated	Jun 8, 2026

March 2019: Quit Claim Deed, Mortgage

Document Type	Quit Claim Deed
Jurisdiction	FRANKLIN MO
Recording Date	Mar 28, 2019
Property Address	437 N LAY AVE, SAINT CLAIR, MO 63077-1334
Document Number	0000003611
Instrument Date	Mar 22, 2019
Instrument	3611
Transaction Type	Mortgage
Record Updated	Apr 24, 2019
Title Company	OTHER

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	437 N LAY AVE ST CLAIR MO 630771334, ST CLAIR, MO 63077-1334

Mortgage

Document Number	3612
Date	Mar 28, 2019
Instrument	3612

Lender

Name	GOLDEN OAK LNDG
Address	SAINT LOUIS, MO 63146

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Mar 27, 2034

Tax Assessment & Valuation

Source: Franklin County assessment roll, as of May 31, 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	$1,702.00 (+16.26%)	$25,278 (+7.54%)	$133,040 (+7.54%) Land $23,200 Building $109,840
2023	$1,464.00 (+4.65%)	$23,505	$123,710 Land $23,200 Building $100,510
2022	$1,399.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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 at the parcel

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 USA Fixed Wireless	100 / 20

May also be available: Verizon.

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