Franklin County property record for 610 S Lay Ave, Saint Clair, MO 63077
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,056 sqft · built 2008 |
| Lot Size | 0.3 acres (13,068 sqft) |
| Owner | Company Name on Record |
| Last Sale | $93,000 (Oct 2018) |
| Tax Bill | $1,398 (2025) |
| Deeds & Mortgages | Apr 2020 Construction Loan Feb 2018 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 22-7-36.0-2-099-476.000 |
| Primary APN | 22-7-36.0-2-099-476.000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,056 sqft Living Area |
| Year Built | Built 2008 |
|---|---|
| Architectural Style | A-Frame |
| Construction Type | Frame |
| Lot Area | 13,068 sqft (0.3 acres) |
| Shed | 1 Shed |
| Street Address | 610 S LAY AVE |
|---|---|
| City | SAINT CLAIR |
| State | MO |
| Zip | 63077-1439 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PT W1/2 NW,N OF RR&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 |
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 | Company Name on Record |
|---|---|
| Mailing Address | 610 S LAY AVE, SAINT CLAIR, MO 63077-1439 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Date | Document |
|---|---|
| Apr 9, 2020 | Deed of Trust, Construction Loan · Construction Mortgage PNC BK |
| Feb 12, 2018 | Grant Deed, Transfer LENDERLIVE SETTLEMENT SERVICES LLC |
| Nov 17, 2017 | Trustee's Deed, Foreclosure ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 2, 2018 · Amount on Record |
| Deed Sale | Oct 2, 2018 · Amount on Record |
| Prior Sale | Feb 12, 2018 · Amount on Record |
| Deed Document Number | 1813678 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN MO |
| Recording Date | Apr 9, 2020 |
| Property Address | 610 S LAY AVE, SAINT CLAIR, MO 63077-1439 |
| Document Number | 0000004934 |
| Instrument Date | Apr 2, 2020 |
| Instrument | 4934 |
| Transaction Type | Construction Loan |
| Record Updated | Apr 23, 2020 |
| Title Company | NATIONALLINK |
| Name | Verified Name |
|---|---|
| Address | 610 S LAY AVE ST CLAIR MO 630771439, ST CLAIR, MO 63077-1439 |
| Document Number | 0000004934 |
|---|---|
| Date | Apr 9, 2020 |
| Instrument | 4934 |
| Name | PNC BK |
|---|---|
| Type | Bank |
| Address | MIAMISBURG, OH 45342 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Apr 8, 2021 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | FRANKLIN MO |
| Recording Date | Feb 12, 2018 |
| Property Address | 610 S LAY AVE, SAINT CLAIR, MO 63077-1439 |
| Document Number | 0000001750 |
| Instrument Date | Jan 8, 2018 |
| Instrument | 1750 |
| Transaction Type | Transfer |
| Record Updated | Feb 16, 2018 |
| Title Company | LENDERLIVE SETTLEMENT SERVICES LLC |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 489 GRANDVIEW FARMS DR UNION MO 630844470, UNION, MO 63084-4470 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | FRANKLIN MO |
| Recording Date | Nov 17, 2017 |
| Property Address | 610 S LAY AVE, SAINT CLAIR, MO 63077-1439 |
| Document Number | 0000017567 |
| Instrument Date | Nov 6, 2017 |
| Instrument | 17567 |
| Transaction Type | Foreclosure |
| Record Updated | Nov 21, 2017 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 3043 TOWNSGATE RD #200 WESTLAKE VILLAGE CA 913613027, 200, WESTLAKE VILLAGE, CA 91361-3027 |
| Investor | Possibly a Property Investor |
Source: Franklin County assessment roll, as of May 31, 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 | $1,398.00 (+17.68%) | $20,759 (+8.85%) | $109,260 (+8.85%) Land $19,800 Building $89,460 |
| 2023 | $1,188.00 (-2.54%) | $19,072 | $100,380 Land $19,800 Building $80,580 |
| 2022 | $1,219.00 |
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 291 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Wisper ISP Fixed Wireless | 400 / 30 |
| Verizon Fixed Wireless | 300 / 20 |
| Wave Internet Technologies Fixed Wireless | 100 / 100 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures