Franklin County property record for 925 S Lay Ave, Saint Clair, MO 63077
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 1 ba · 2,063 sqft · built 1935 |
| Lot Size | 0.5 acres (21,780 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $1,486 (2025) |
| Deeds & Mortgages | May 2023 Mortgage Nov 2023 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 22-7-35.0-1-099-084.000 |
| Primary APN | 22-7-35.0-1-099-084.000 |
|---|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 2,063 sqft Living Area |
| Year Built | Built 1935 |
|---|---|
| Architectural Style | A-Frame |
| Construction Type | Frame |
| Lot Area | 21,780 sqft (0.5 acres) |
| Shed | 1 Shed |
| Street Address | 925 S LAY AVE |
|---|---|
| City | SAINT CLAIR |
| State | MO |
| Zip | 63077-1912 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | PT LOT 5 SUB OF RUFUS MOSLEY EST IN SENE W OF S LAY AVE |
| Legal Range | 01W |
| Legal Township | 42 |
| Legal Section | 35 |
| Legal Quarter | NE |
| Legal Subdivision | RUFUS MOSLEY ESTATE |
| Legal Block | 99 |
| Legal Lot Number | 5 |
| Jurisdiction | FRANKLIN MO |
| Township / Civil Division | CENTRAL |
| Census Block Group | 1 |
| Census Block | 1048 |
| 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 | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 925 S LAY AVE, SAINT CLAIR, MO 63077-1912 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 1, 2023 | Deed of Trust, Mortgage · Commercial Mortgage FIRST STATE COMMUNITY BANK |
| Nov 28, 2023 | Warranty Deed, Transfer · FHA Mortgage FLAT BRANCH MORTGAGE INC |
| May 18, 2020 | Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV |
| May 18, 2020 | Loan Modification, Mortgage PENNYMAC |
| Apr 21, 2017 | Warranty Deed, Transfer · FHA Mortgage CORNERSTONE MTG |
| Apr 21, 2017 | Quit Claim Deed, Transfer HILLSBORO TITLE COMPANY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 28, 2023 |
| Deed Sale | Nov 28, 2023 |
| Prior Sale | Apr 21, 2017 · Amount on Record |
| Deed Document Number | 2314020 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN MO |
| Property Address | 925 S LAY AVE, SAINT CLAIR, MO 63077-1912 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0002304947 |
|---|---|
| Date | May 1, 2023 |
| Instrument | 2304947 |
| Name | FIRST STATE COMMUNITY BANK |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FRANKLIN MO |
| Recording Date | Nov 28, 2023 |
| Property Address | 925 S LAY AVE, SAINT CLAIR, MO 63077-1912 |
| Document Number | 0002314020 |
| Map Reference | BK 11 PG 286 |
| Instrument Date | Nov 15, 2023 |
| Instrument | 2314020 |
| Transaction Type | Transfer |
| Record Updated | Apr 3, 2026 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 925 S LAY AVE, SAINT CLAIR, MO 63077-1912 |
| Document Number | 0002314021 |
|---|---|
| Date | Nov 28, 2023 |
| Instrument | 2314021 |
| Name | FLAT BRANCH MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN MO |
| Property Address | 925 S LAY AVE, SAINT CLAIR, MO 63077-1912 |
| Document Number | 0000008886 |
| Instrument Date | May 18, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 30, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 925 S LAY AVE ST CLAIR MO 630771912, ST CLAIR, MO 63077-1912 |
| Document Number | 0000008886 |
|---|---|
| Date | Jun 11, 2020 |
| Instrument | 8886 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | 451 7TH ST SW, WASHINGTON, DC 20410-0001 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 10, 2050 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | FRANKLIN MO |
| Property Address | 925 S LAY AVE, SAINT CLAIR, MO 63077-1912 |
| Document Number | 0000008975 |
| Instrument Date | May 18, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 1, 2020 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS |
| Name | Verified Name |
|---|---|
| Address | 925 S LAY AVE ST CLAIR MO 630771912, ST CLAIR, MO 63077-1912 |
| Document Number | 0000008975 |
|---|---|
| Date | Jun 12, 2020 |
| Instrument | 8975 |
| Name | PENNYMAC |
|---|---|
| Address | MOORPARK, CA 93021 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jun 11, 2050 |
| Rate | 3.75% |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FRANKLIN MO |
| Recording Date | Apr 21, 2017 |
| Property Address | 925 S LAY AVE, SAINT CLAIR, MO 63077-1912 |
| Document Number | 0000005816 |
| Instrument Date | Apr 19, 2017 |
| Instrument | 5816 |
| Transaction Type | Transfer |
| Record Updated | Apr 25, 2017 |
| Title Company | HILLSBORO TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 925 S LAY AVE ST CLAIR MO 630771912, ST CLAIR, MO 63077-1912 |
| Document Number | 5817 |
|---|---|
| Date | Apr 21, 2017 |
| Instrument | 5817 |
| Name | CORNERSTONE MTG |
|---|---|
| Type | Mortgage Company |
| Address | CHESTERFIELD, MO 63005 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 20, 2047 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | FRANKLIN MO |
| Recording Date | Apr 21, 2017 |
| Property Address | 925 S LAY AVE, SAINT CLAIR, MO 63077-1912 |
| Document Number | 0000005815 |
| Instrument Date | Apr 4, 2017 |
| Instrument | 5815 |
| Transaction Type | Transfer |
| Record Updated | May 5, 2017 |
| Title Company | HILLSBORO TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3012 W RAINBOW DR HIGH RIDGE MO 630492931, HIGH RIDGE, MO 63049-2931 |
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 | $1,486.00 (+51.17%) | $22,066 (+39.77%) | $116,140 (+39.78%) Land $23,580 Building $92,560 |
| 2023 | $983.00 (+13.77%) | $15,787 | $83,090 Land $23,580 Building $59,510 |
| 2022 | $864.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
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