938 Lay Rd, Saint Louis, MO 63124 Property Records

St. Louis County property record for 938 Lay Rd, Saint Louis, MO 63124

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 2,618 sqft · built 1949
Lot Size	0.88 acres (38,333 sqft)
Owner	2 Individual Names on Record
Tax Bill	$10,691 (2025)
Deeds & Mortgages	Nov 2025 Sale May 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`19L-34-0390`

Property Details

APN / Parcel Number

Primary APN	`19L-34-0390`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	13 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,618 sqft Living Area
Gross Area	3,124 sqft
1st Floor Area	1,911 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1949
Architectural Style	Ranch
Exterior Material	Brick
Foundation Type	Raised
Lot Area	38,333 sqft (0.88 acres)
Lot Dimensions	381 ft deep x 350 ft wide
View / Lot	Cul-De-Sac
Garage Type	Attached
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces
Pool Area	578 sqft
Patio Area	220 sqft
Balcony Area	21 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	938 LAY RD
City	SAINT LOUIS
State	MO
Zip	63124-1818
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	33C
Legal Description	SUMMIT TRACT LOT PT 4
Legal Range	6E
Legal Township	45N
Legal Section	17
Legal Subdivision	SUMMIT TRACT
Legal Lot Number	4
Jurisdiction	ST LOUIS MO
Township / Civil Division	CLAYTON
Census Block Group	4
Census Block	4009
Census Tract	215400

Owner

Source: St. Louis County records, as of September 29, 2026

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 Record
Mailing Address	938 LAY RD, SAINT LOUIS, MO 63124-1818
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Nov 24, 2025	Warranty Deed, Transfer FREEDOM TITLE
May 14, 2020	Grant Deed, Transfer INVESTORS TITLE COMPANY, INVESTORS TITLE CO.

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 24, 2025
Deed Sale	Nov 24, 2025
Prior Sale	May 14, 2020 · Amount on Record
Deed Document Number	202553
Prior Transfer Date	Jul 24, 2007
Prior Transfer Doc	0176264097
Record Updated	Oct 29, 2026

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MO
Recording Date	Nov 24, 2025
Property Address	938 LAY RD, SAINT LOUIS, MO 63124-1818
Document Number	2025112400053
Map Reference	MB 5 PG 9
Instrument Date	May 22, 2025
Instrument	2025112400053
Transaction Type	Transfer
Record Updated	Jan 19, 2026
Title Company	FREEDOM TITLE

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	938 LAY RD, SAINT LOUIS, MO 63124-1818

May 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ST LOUIS MO
Recording Date	May 14, 2020
Property Address	938 LAY RD, SAINT LOUIS, MO 63124-1818
Document Number	0240463559
Book / Page	024046 / 003559
Instrument Date	Apr 6, 2020
Instrument	208
Transaction Type	Transfer
Record Updated	Jul 27, 2020
Title Company	INVESTORS TITLE COMPANY, INVESTORS TITLE CO.

Transaction

Amount	Amount Recorded
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	938 LAY RD ST LOUIS MO 631241818, ST LOUIS, MO 63124-1818

Tax Assessment & Valuation

Source: St. Louis County assessment roll, as of September 29, 2026

Property Jurisdictions

Type	Name
State	Missouri
County	St. Louis County
Municipality	Ladue City
Unified School District	Ladue School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$164,640 (-) Land $123,580 Building $41,060	$866,500 (-) Land $650,400 Building $216,100
2025	$10,691.00 (+19.13%)	$164,640 (+23.81%) Land $123,580 Building $41,060	$866,500 (+23.8%) Land $650,400 Building $216,100
2024	$8,974.00 (+0.19%)	$132,980 (-) Land $92,590 Building $40,390
2023	$8,957.00	$132,980 Land $92,590 Building $40,390	$699,900 Land $487,300 Building $212,600

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 August 10, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 29 policies
Nearby Flood Policies	29 in force
Nearby Flood Claims	30 (1979–2022)
Claims Outside the SFHA	8 of 30
Most Recent Claim	Jul 2022 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Jul 2022 · 3 claims Severe Storms, Flooding, And A Tornado, Sep 2008 · 6 claims Severe Storms & Flooding, Aug 1993 · 7 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

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	MO AMERICAN ST LOUIS ST CHARLES COUNTIES private · serves 1,111,000 people · EPA ID MO6010716
Water Source	Surface water
Last State Inspection	Feb 2024
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 220 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Wisper ISP.

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