Clay County property record for 103 Cedar St, Smithville, MO 64089
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,436 sqft · built 1990 |
| Lot Size | 0.28 acres (12,197 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $346,996 (Dec 2025) |
| Tax Bill | $4,004 (2025) |
| Deeds & Mortgages | Dec 2025 Mortgage Sep 2023 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-609-00-04-002.00 |
| Primary APN | 05-609-00-04-002.00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 12 Plumbing Fixtures |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 2,436 sqft Living Area |
| Gross Area | 4,496 sqft |
| 1st Floor Area | 1,554 sqft |
| Basement Area | 1,548 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Bi-Level |
| Exterior Material | Aluminum/Vinyl |
| Roof Material | Composition Shingle |
| Lot Area | 12,197 sqft (0.28 acres) |
| Lot Dimensions | 168 ft deep x 80 ft wide |
| Garage Type | Attached |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Covered Wood Porch |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 103 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 30 |
| Legal Range | 33W |
| Legal Township | 53N |
| Legal Section | 14 |
| Legal Subdivision | NORTH HILLS 2ND |
| Legal Lot Number | 30 |
| Jurisdiction | CLAY MO |
| Township / Civil Division | PLATTE |
| Census Block Group | 1 |
| Census Block | 1026 |
| Census Tract | 22000 |
Source: Clay County records · APN 05-609-00-04-002.00
Assessment roll updated May 27, 2026 · Last verified August 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 File |
|---|---|
| Mailing Address | 103 CEDAR ST, SMITHVILLE, MO 64089-9534 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Couple |
| Date | Document |
|---|---|
| Dec 04, 2025 | Warranty Deed, Transfer · FHA Mortgage COMMUNITYAMERICA CU |
| Sep 28, 2023 | Beneficiary Deed, Transfer |
| Aug 02, 2022 | Warranty Deed, Transfer KANSAS CITY TITLE, KANSAS CITY TITLE INC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 04, 2025 · Amount on Record |
| Deed Sale | Dec 04, 2025 · Amount on Record |
| Prior Sale | Feb 09, 2015 |
| Deed Document Number | 202531314 |
| Deed Book / Page | 10064 / 53 |
| Prior Transfer Date | Sep 28, 2023 |
| Prior Transfer Doc | 0000023745 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY MO |
| Recording Date | Dec 04, 2025 |
| Property Address | 103 CEDAR ST, SMITHVILLE, MO 64089-9534 |
| Document Number | 0000031314 |
| Book / Page | 10064 / 53 |
| Instrument Date | Dec 04, 2025 |
| Instrument | 2025031314 |
| Transaction Type | Transfer |
| Record Updated | Dec 16, 2025 |
| Title Company | LAKESIDE TITLE, LAKESIDE TITLE LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 103 CEDAR ST, SMITHVILLE, MO 64089-9534 |
| Document Number | 0000031330 |
|---|---|
| Date | Dec 04, 2025 |
| Instrument | 2025031330 |
| Name | COMMUNITYAMERICA CU |
|---|---|
| Type | Credit Union |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2056 |
| Document Type | Beneficiary Deed |
|---|---|
| Jurisdiction | CLAY MO |
| Recording Date | Sep 28, 2023 |
| Property Address | 103 CEDAR ST, SMITHVILLE, MO 64089-9534 |
| Document Number | 0000023745 |
| Book / Page | 9633 / 143 |
| Instrument Date | Sep 28, 2023 |
| Instrument | 2023023745 |
| Transaction Type | Transfer |
| Record Updated | Dec 16, 2025 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 103 CEDAR ST, SMITHVILLE, MO 64089-9534 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY MO |
| Recording Date | Aug 02, 2022 |
| Property Address | 103 CEDAR ST, SMITHVILLE, MO 64089-9534 |
| Document Number | 0000025542 |
| Book / Page | 9420 / 97 |
| Instrument Date | Jul 29, 2022 |
| Instrument | 2022025542 |
| Transaction Type | Transfer |
| Record Updated | Dec 16, 2025 |
| Title Company | KANSAS CITY TITLE, KANSAS CITY TITLE INC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 103 CEDAR ST, LIBERTY, MO 64068-2413 |
| Investor | Possibly a Property Investor |
Source: Clay County records · Assessment roll updated May 27, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | Clay County |
| Municipality | Smithville City |
| Unified School District | Smithville R-II School District (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,004.00 (+9.61%) | $56,260 (+11.19%) | $296,105 (+11.19%) |
| 2024 | $3,653.00 (+4.55%) | ||
| 2023 | $3,494.00 (+13.85%) | $50,600 (+18.2%) | $266,315 (+18.2%) |
| 2022 | $3,069.00 (+11.07%) | $42,810 | |
| 2021 | $225,315 | ||
| 2019 | $2,763.00 |
Source: FEMA National Flood Hazard Layer as of May 10, 2018 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 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 |
|
| Wildfire Risk | Low lower than 63% of the US · lower than 70% of Missouri |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection 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 |
Based on FCC filings for 60 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System 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 |
| 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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures