580 S Lay Ave, Saint Clair, MO 63077 Property Records

Franklin County property record for 580 S Lay Ave, Saint Clair, MO 63077 · Last verified November 2025

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,254 sqft · built 1930
Lot Size	0.3 acres (13,068 sqft)
Owner	2 Individual Names on File
Last Sale	$64,500 (Oct 2017)
Tax Bill	$1,167 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Jul 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`22-7-36.0-2-099-474.000`

Property Details

APN / Parcel Number

Primary APN	`22-7-36.0-2-099-474.000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,254 sqft Living Area

Exterior

Year Built	Built 1930
Architectural Style	A-Frame
Construction Type	Frame
Lot Area	13,068 sqft (0.3 acres)

Location & Zoning

Street Address	580 S LAY AVE
City	SAINT CLAIR
State	MO
Zip	63077-1438
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT W1/2 NW, E OF LAY AVE
Legal Range	01W
Legal Township	42
Legal Section	36
Legal Quarter	NW
Legal Block	99
Jurisdiction	FRANKLIN MO
Township / Civil Division	CENTRAL
Census Block Group	1
Census Block	1027
Census Tract	800903

Owner

Source: Franklin County records · APN 22-7-36.0-2-099-474.000

Assessment roll updated May 31, 2025 · Last verified November 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	580 S LAY AVE, SAINT CLAIR, MO 63077-1438
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 01, 2025	Deed of Trust, Mortgage · VA Mortgage FEDERAL SAVINGS BANK
Jul 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage SULLIVAN BANK
Oct 06, 2017	Warranty Deed, Transfer FRANKLIN COUNTY TITLE

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 06, 2017 · Amount on Record
Deed Sale	Oct 06, 2017 · Amount on Record
Prior Sale	Sep 24, 2014
Deed Document Number	1715419
Record Updated	Jun 08, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	580 S LAY AVE, SAINT CLAIR, MO 63077-1438
Transaction Type	Mortgage
Record Updated	Jan 07, 2026
Title Company	UNKNOWN, ALTA COMMITMENT FOR TITLE IN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002515230
Date	Dec 01, 2025
Instrument	2515230

Lender

Name	FEDERAL SAVINGS BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 01, 2055

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FRANKLIN MO
Property Address	580 S LAY AVE, SAINT CLAIR, MO 63077-1438
Transaction Type	Mortgage
Record Updated	Apr 03, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002114032
Date	Jul 28, 2021
Instrument	2114032

Lender

Name	SULLIVAN BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FRANKLIN MO
Recording Date	Oct 06, 2017
Property Address	580 S LAY AVE, SAINT CLAIR, MO 63077-1438
Document Number	0000015419
Instrument Date	Oct 06, 2017
Instrument	15419
Transaction Type	Transfer
Record Updated	Oct 11, 2017
Title Company	FRANKLIN COUNTY TITLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	580 S LAY AVE ST CLAIR MO 630771438, ST CLAIR, MO 63077-1438

Tax Assessment & Valuation

Source: Franklin County records · Assessment roll updated May 31, 2025 · Last verified November 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

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,167.00 (+6.48%)	$17,324 (-1.59%)	$91,180 (-1.59%) Land $18,100 Building $73,080
2023	$1,096.00 (+8.95%)	$17,604	$92,650 Land $18,100 Building $74,550
2022	$1,006.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Franklin County (29071C), updated June 4, 2020 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Low above 20% of the US · above 15% of Missouri
Wildfire Likelihood	About 1 in 8,333 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 291 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
Wisper ISP	Fixed Wireless	400 / 30
Verizon	Fixed Wireless	300 / 20
Wave Internet Technologies	Fixed Wireless (unlicensed)	100 / 100

May also be available at this address: Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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