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

Franklin County property record for 470 N Lay Ave, Saint Clair, MO 63077

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 832 sqft · built 2007
Lot Size	0.1 acres (4,356 sqft)
Owner	Individual Name on Record
Last Sale	$157,800 (Mar 2021)
Tax Bill	$1,326 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Feb 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`22-7-25.0-3-016-223.000`

Property Details

APN / Parcel Number

Primary APN	`22-7-25.0-3-016-223.000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	832 sqft Living Area

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Construction Type	Frame
Lot Area	4,356 sqft (0.1 acres)

Location & Zoning

Street Address	470 N LAY AVE
City	SAINT CLAIR
State	MO
Zip	63077-1339
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT:17 BERKEL ADDN
Legal Range	1W
Legal Township	42N
Legal Section	25
Legal Subdivision	BERKEL
Legal Lot Number	17
Jurisdiction	FRANKLIN MO
Township / Civil Division	CENTRAL
Census Block Group	1
Census Block	1010
Census Tract	800903

Owner

Source: Franklin County records, as of November 11, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	470 N LAY AVE, SAINT CLAIR, MO 63077-1339
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 8, 2021	Warranty Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO
Feb 28, 2017	Warranty Deed, Transfer · Line of Credit FIRST ST CMNTY BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 8, 2021 · Amount on Record
Deed Sale	Mar 8, 2021 · Amount on Record
Prior Sale	Feb 28, 2017 · Amount on Record
Deed Document Number	20214234
Prior Transfer Date	Jul 16, 2007
Prior Transfer Doc	0000016681
Record Updated	Sep 20, 2026

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN MO
Recording Date	Mar 8, 2021
Property Address	470 N LAY AVE, SAINT CLAIR, MO 63077-1339
Document Number	0002104234
Map Reference	PB E PG 18
Instrument Date	Mar 4, 2021
Instrument	2104234
Transaction Type	Transfer
Record Updated	Aug 16, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	470 N LAY AVE, SAINT CLAIR, MO 63077-1339

Mortgage

Document Number	0002104235
Date	Mar 8, 2021
Instrument	2104235

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2051

Interest

Rate Type	Fixed Rate

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN MO
Recording Date	Feb 28, 2017
Property Address	470 N LAY AVE, SAINT CLAIR, MO 63077-1339
Document Number	0000002888
Instrument Date	Feb 24, 2017
Instrument	2888
Transaction Type	Transfer
Record Updated	Mar 3, 2017
Title Company	HANSEN FRANKLIN COMPANY LAND TITLE, HANSEN FRANKLIN CO LAND TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	470 N LAY AVE ST CLAIR MO 630771339, ST CLAIR, MO 63077-1339

Mortgage

Document Number	2889
Date	Feb 28, 2017
Instrument	2889

Lender

Name	FIRST ST CMNTY BK
Type	Bank
Address	SULLIVAN, MO 63080

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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	$1,326.00 (+17.24%)	$19,687 (+8.41%)	$103,620 (+8.41%) Land $10,560 Building $93,060
2023	$1,131.00 (-3.66%)	$18,160	$95,580 Land $10,560 Building $85,020
2022	$1,174.00

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	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.

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 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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