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

Franklin County property record for 475 N Lay Ave, Saint Clair, MO 63077

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 780 sqft · built 1950
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on Record
Tax Bill	$862 (2025)
Deeds & Mortgages	Nov 2023 Mortgage Aug 2019 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`22-7-26.0-4-002-020.000`

Property Details

APN / Parcel Number

Primary APN	`22-7-26.0-4-002-020.000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	780 sqft Living Area

Exterior

Year Built	Built 1950
Architectural Style	A-Frame
Construction Type	Frame
Lot Area	8,712 sqft (0.2 acres)
Patio Area	80 sqft

Location & Zoning

Street Address	475 N LAY AVE
City	SAINT CLAIR
State	MO
Zip	63077-1334
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT:5 DONALD LEE ADDITION
Legal Range	01W
Legal Township	42
Legal Section	26
Legal Quarter	SE
Legal Subdivision	DONALD LEE
Legal Block	2
Legal Lot Number	5
Jurisdiction	FRANKLIN MO
Township / Civil Division	CENTRAL
Census Block Group	1
Census Block	1007
Census Tract	800903

Owner

Source: Franklin County records, as of November 10, 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 Record
Mailing Address	475 N LAY AVE, SAINT CLAIR, MO 63077-1334
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 7, 2023	Warranty Deed, Transfer · FHA Mortgage FLAT BRANCH MORTGAGE INC
Aug 30, 2019	Warranty Deed, Transfer · Line of Credit BANK OF SULLIVAN
Feb 25, 2019	Deed of Trust, Mortgage · Line of Credit US BK
Jan 5, 2018	Deed of Trust, Mortgage · Line of Credit US BK
Sep 27, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 7, 2023
Deed Sale	Nov 7, 2023
Prior Sale	Sep 27, 2017
Deed Document Number	2313312
Record Updated	Jun 8, 2026

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN MO
Recording Date	Nov 7, 2023
Property Address	475 N LAY AVE, SAINT CLAIR, MO 63077-1334
Document Number	0002313312
Map Reference	PB F PG 7
Instrument Date	Nov 6, 2023
Instrument	2313312
Transaction Type	Transfer
Record Updated	Nov 29, 2023
Title Company	STATE LOUIS COMPANY TITLE (SLCTC), STL

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	617 T BOX DR, SAINT CLAIR, MO 63077-2423

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	475 N LAY AVE, SAINT CLAIR, MO 63077-1334

Mortgage

Document Number	0002313313
Date	Nov 7, 2023
Instrument	2313313

Lender

Name	FLAT BRANCH MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2053

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN MO
Recording Date	Aug 30, 2019
Property Address	475 N LAY AVE, SAINT CLAIR, MO 63077-1334
Document Number	0000011378
Instrument Date	Aug 30, 2019
Instrument	11378
Transaction Type	Transfer
Record Updated	Sep 25, 2019
Title Company	FRANKLIN COMPANY TITLE COMPANY, FRANKLIN CO TITLE CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	475 N LAY AVE ST CLAIR MO 630771334, ST CLAIR, MO 63077-1334

Mortgage

Document Number	11379
Date	Aug 30, 2019
Instrument	11379

Lender

Name	BANK OF SULLIVAN
Type	Bank
Address	SULLIVAN, MO 63080

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	475 N LAY AVE, SAINT CLAIR, MO 63077-1334
Document Number	0000002814
Instrument Date	Feb 25, 2019
Transaction Type	Mortgage
Record Updated	Apr 2, 2019
Title Company	SOLIDIFI US INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	475 N LAY AVE ST CLAIR MO 630771334, ST CLAIR, MO 63077-1334

Mortgage

Document Number	0000002814
Date	Mar 12, 2019
Instrument	2814

Lender

Name	US BK
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Mar 11, 2039

Interest

Rate Type	Adjustable Rate

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	475 N LAY AVE, SAINT CLAIR, MO 63077-1334
Document Number	0000000687
Instrument Date	Jan 5, 2018
Transaction Type	Mortgage
Record Updated	Jan 23, 2018
Title Company	SOLIDIFI US INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	475 N LAY AVE ST CLAIR MO 630771334, ST CLAIR, MO 63077-1334

Mortgage

Document Number	0000000687
Date	Jan 18, 2018
Instrument	687

Lender

Name	US BK
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jan 17, 2038

Interest

Rate Type	Adjustable Rate

September 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	FRANKLIN MO
Recording Date	Sep 27, 2017
Property Address	475 N LAY AVE, SAINT CLAIR, MO 63077-1334
Document Number	0000014822
Instrument Date	Sep 22, 2017
Instrument	14822
Transaction Type	Transfer
Record Updated	Oct 2, 2017

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	475 N LAY AVE ST CLAIR MO 630771334, ST CLAIR, MO 63077-1334

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	$862.00 (+14.48%)	$12,802 (+5.9%)	$67,380 (+5.89%) Land $12,770 Building $54,610
2023	$753.00 (+14.44%)	$12,089	$63,630 Land $12,770 Building $50,860
2022	$658.00

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	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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