Franklin County property record for 955 S Lay Ave, Saint Clair, MO 63077
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,158 sqft · built 1945 |
| Lot Size | 0.3 acres (13,068 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $89,200 (May 2021) |
| Tax Bill | $1,223 (2025) |
| Deeds & Mortgages | May 2021 Mortgage Dec 2019 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 22-7-35.0-1-099-086.000 |
| Primary APN | 22-7-35.0-1-099-086.000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,158 sqft Living Area |
| Year Built | Built 1945 |
|---|---|
| Effective Year Built | Effective 1945 |
| Construction Type | Frame |
| Lot Area | 13,068 sqft (0.3 acres) |
| Patio Area | 42 sqft |
| Street Address | 955 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 RUFUS MOSLEY EST IN SE NEW OF S LAY AVE |
| Legal Range | 1W |
| Legal Township | 42N |
| Legal Section | 35 |
| Legal Subdivision | THE ESTATE OF RUFUS MOSLEY |
| Legal Lot Number | 5 |
| Jurisdiction | FRANKLIN MO |
| Township / Civil Division | CENTRAL |
| Census Block Group | 1 |
| Census Block | 1048 |
| Census Tract | 800903 |
Source: Franklin County assessment roll, as of November 11, 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 | 955 S LAY AVE, SAINT CLAIR, MO 63077-1912 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 12, 2021 | Warranty Deed, Transfer · Conventional Mortgage US BANK NA |
| Dec 3, 2019 | Deed of Trust, Mortgage · Line of Credit FARMERS & MERCHANTS NAT'L BK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 12, 2021 · Amount on Record |
| Deed Sale | May 12, 2021 · Amount on Record |
| Prior Sale | Mar 11, 2011 · Amount on Record |
| Deed Document Number | 20219015 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | FRANKLIN MO |
| Recording Date | May 12, 2021 |
| Property Address | 955 S LAY AVE, SAINT CLAIR, MO 63077-1912 |
| Document Number | 0002109015 |
| Map Reference | REC 11 PG 286 |
| Instrument Date | May 11, 2021 |
| Instrument | 2109015 |
| Transaction Type | Transfer |
| Record Updated | Jan 9, 2023 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 380 S MAIN ST, SAINT CLAIR, MO 63077-1511 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 955 S LAY AVE, SAINT CLAIR, MO 63077-1912 |
| Document Number | 0002109016 |
|---|---|
| Date | May 12, 2021 |
| Instrument | 2109016 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2051 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | FRANKLIN MO |
| Property Address | 955 S LAY AVE, SAINT CLAIR, MO 63077-1912 |
| Document Number | 0000016951 |
| Instrument Date | Dec 3, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 31, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 530 S MAIN ST ST CLAIR MO 630771515, ST CLAIR, MO 63077-1515 |
| Document Number | 0000016951 |
|---|---|
| Date | Dec 9, 2019 |
| Instrument | 16951 |
| Name | FARMERS & MERCHANTS NAT'L BK |
|---|---|
| Type | Bank |
| Address | 530 S MAIN ST, ST CLAIR, MO 63077-1515 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Dec 8, 2034 |
| Rate Type | Adjustable Rate |
|---|
Source: Franklin County assessment roll, as of November 11, 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 | $1,223.00 (+29.69%) | $18,163 (+19.98%) | $95,590 (+19.98%) Land $16,140 Building $79,450 |
| 2023 | $943.00 (+10.04%) | $15,138 | $79,670 Land $16,140 Building $63,530 |
| 2022 | $857.00 |
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 |
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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