102 Cedar St, Smithville, MO 64089 Property Records

Clay County property record for 102 Cedar St, Smithville, MO 64089

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,117 sqft · built 1994
Lot Size	0.24 acres (10,454 sqft)
Owner	Company Name on File
Tax Bill	$3,877 (2024)
Deeds & Mortgages	Jan 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`05-609-00-03-002.00`

Property Details

APN / Parcel Number

Primary APN	`05-609-00-03-002.00`
Alternative APNs	`0560900030020001` `5609000300200` `239418`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,117 sqft Living Area
Gross Area	4,201 sqft
1st Floor Area	1,460 sqft
Basement Area	1,460 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Ranch
Exterior Material	Wood Siding
Roof Material	Composition Shingle
Lot Area	10,454 sqft (0.24 acres)
Lot Dimensions	138 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces
Deck Area	409 sqft
Patio Area	409 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	102 CEDAR ST
City	SMITHVILLE
State	MO
Zip	64089-9534
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NORTH HILLS 2ND PLAT LT 23
Legal Range	33W
Legal Township	53N
Legal Section	14
Legal Subdivision	NORTH HILLS 2ND
Legal Lot Number	23
Jurisdiction	CLAY MO
Township / Civil Division	PLATTE
Census Block Group	1
Census Block	1026
Census Tract	22000

Owner

Source: Clay County assessment roll, APN 05-609-00-03-002.00, as of May 27, 2026 · Last verified June 2026

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

Owner of Record	Company Name on File
Mailing Address	102 CEDAR ST, SMITHVILLE, MO 64089-9534
Owner Type	Company
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 13, 2017
Deed Sale	Apr 13, 2017
Prior Sale	Jun 04, 2010
Deed Document Number	201711692
Deed Book / Page	7941 / 140
Prior Transfer Date	Aug 05, 2004
Prior Transfer Doc	0000S89449
Record Updated	Sep 20, 2026

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MO
Property Address	102 CEDAR ST, SMITHVILLE, MO 64089-9534
Transaction Type	Mortgage
Record Updated	Nov 25, 2021
Title Company	FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000358
Date	Jan 04, 2017
Book Page	7885/0032
Instrument	2017000358

Lender

Name	COMMERCE BANK
Type	Bank
Address	KANSAS CITY, MO 64155

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Clay County assessment roll as of May 27, 2026 · Last verified June 2026

Property Jurisdictions

Type	Name
State	Missouri
County	Clay County
Municipality	Smithville City
Unified School District	Smithville R-II School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$60,290 (+12.25%)	$317,316 (+12.25%)
2024	$3,877.00 (+4.53%)
2023	$3,709.00 (+26.33%)	$53,710	$282,684
2019	$2,936.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Clay County (29047C), as of May 10, 2018 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 290470220001, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 21 policies
Nearby Flood Policies	21 in force
Nearby Flood Claims	33 (1981–2016)
Claims Outside the SFHA	12 of 33
Most Recent Claim	May 2016 · rainfall accumulation
Claims by Event	Severe Storms, Flooding And Tornadoes, Oct 1998 · 3 claims

Wildfire

Wildfire Risk	Low lower than 96% of the US · lower than 94% of Missouri
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, 147 locations within half a mile, as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
United Electric Cooperative Fiber	1,000 / 1,000
Spectrum Cable	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30
Verizon Fixed Wireless	300 / 20

Drinking Water

Source: EPA Safe Drinking Water Information System, water system MO1010748, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	SMITHVILLE PWS serves 10,885 people
Water Source	Surface water
Last State Inspection	Oct 2024
Lead	3 ppb (2022–2024) 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.