Franklin County property record for 440 N Lay Ave, Saint Clair, MO 63077
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,852 sqft · built 1947 |
| Lot Size | 0.3 acres (13,068 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $60,000 (Feb 2011) |
| Tax Bill | $1,578 (2025) |
| Deeds & Mortgages | Sep 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 22-7-25.0-3-016-219.000 |
| Primary APN | 22-7-25.0-3-016-219.000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,852 sqft Living Area |
| Year Built | Built 1947 |
|---|---|
| Effective Year Built | Effective 1947 |
| Construction Type | Frame |
| Lot Area | 13,068 sqft (0.3 acres) |
| Garage Area | 520 sqft |
| Patio Area | 27 sqft |
| Street Address | 440 N LAY AVE |
|---|---|
| City | SAINT CLAIR |
| State | MO |
| Zip | 63077-1339 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT:12&13 BERKEL ADDN |
| Legal Range | 1W |
| Legal Township | 42N |
| Legal Section | 25 |
| Legal Subdivision | BERKEL |
| Legal Lot Number | 12,13 |
| Jurisdiction | FRANKLIN MO |
| Township / Civil Division | CENTRAL |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 800903 |
Source: Franklin 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 | Individual Name on Record |
|---|---|
| Mailing Address | 440 N LAY AVE, SAINT CLAIR, MO 63077-1339 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 25, 2011 · Amount on Record |
| Deed Sale | Feb 25, 2011 · Amount on Record |
| Deed Document Number | 20113152 |
| Prior Transfer Date | Feb 24, 2011 |
| Prior Transfer Doc | 0000003152 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN MO |
| Property Address | 440 N LAY AVE, SAINT CLAIR, MO 63077-1339 |
| Document Number | 0000014355 |
| Instrument Date | Sep 25, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Nov 1, 2018 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Address | 440 N LAY AVE ST CLAIR MO 630771339, ST CLAIR, MO 63077-1339 |
| Document Number | 0000014355 |
|---|---|
| Date | Oct 15, 2018 |
| Instrument | 14355 |
| Name | US BK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Oct 14, 2038 |
| Rate Type | Adjustable Rate |
|---|
Source: Franklin County assessment roll, as of November 11, 2025
| Type | Name |
|---|---|
| State | Missouri |
| County | Franklin County |
| Municipality | St. Clair City |
| Unified School District | St. Clair R-XIII School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,578.00 (+19.45%) | $23,439 (+10.5%) | $123,360 (+10.5%) Land $21,120 Building $102,240 |
| 2023 | $1,321.00 (+2.48%) | $21,212 | $111,640 Land $21,120 Building $90,520 |
| 2022 | $1,289.00 |
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.
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.
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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 81 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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