Clay County property record for 103 Spinnaker Dr, Smithville, MO 64089
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,248 sqft · built 2007 |
| Lot Size | 0.19 acres (8,276 sqft) |
| Owner | Individual Name on File |
| Last Sale | $203,300 (Aug 2018) |
| Tax Bill | $3,134 (2025) |
| Deeds & Mortgages | Jun 2026 Line of Credit Jul 2022 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-319-00-07-041.00 |
| Primary APN | 05-319-00-07-041.00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,248 sqft Living Area |
| Gross Area | 2,520 sqft |
| 1st Floor Area | 1,248 sqft |
| Basement Area | 558 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2007 |
| Architectural Style | Split Level |
| Exterior Material | Wood Siding |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 8,276 sqft (0.19 acres) |
| Lot Dimensions | 121 ft deep x 85 ft wide |
| Garage Type | Attached |
| Garage Area | 690 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Covered Wood Porch |
| Deck Area | 100 sqft |
| Patio Area | 100 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 103 SPINNAKER DR |
|---|---|
| City | SMITHVILLE |
| State | MO |
| Zip | 64089-9057 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HARBORVIEW 9TH PLAT LT 6 |
| Legal Range | 33W |
| Legal Township | 53N |
| Legal Section | 12 |
| Legal Subdivision | HARBORVIEW 09 |
| Legal Lot Number | 6 |
| Jurisdiction | CLAY MO |
| Township / Civil Division | PLATTE |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 22000 |
103 Spinnaker Dr is owned and occupied by an individual who acquired it in May 2022.
Source: Clay County records, as of July 7, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 103 SPINNAKER DR, SMITHVILLE, MO 64089-9057 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jun 26, 2026 | Deed of Trust, Mortgage · Line of Credit FREEDOM MORTGAGE CORPORATION |
| Jul 11, 2022 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| May 16, 2022 | Intrafamily Transfer, Transfer |
| Aug 16, 2018 | Warranty Deed, Transfer PRIME LNDG |
| Nov 14, 2017 | Quit Claim Deed, Transfer MR COOPER |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 16, 2018 · Amount on File |
| Deed Sale | Aug 16, 2018 · Amount on File |
| Prior Sale | Nov 14, 2017 · Amount on File |
| Deed Document Number | 201826857 |
| Deed Book / Page | 8262 / 51 |
| Last Transfer Date | May 2, 2022 |
| Transfer Doc | 0000016256 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY MO |
| Recording Date | Jun 26, 2026 |
| Property Address | 103 SPINNAKER DR, SMITHVILLE, MO 64089-9057 |
| Document Number | 0000017330 |
| Book / Page | 10197 / 123 |
| Instrument Date | Jun 18, 2026 |
| Instrument | 202617330 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM HOLDINGS |
| Name | Verified Name |
|---|---|
| Address | 103 SPINNAKER DR, SMITHVILLE, MO 64089-9057 |
| Investor | Possibly a Property Investor |
| Document Number | 0000017330, |
|---|---|
| Date | Jun 26, 2026 |
| Book Page | 10197/123 |
| Instrument | 202617330 |
| Name | FREEDOM MORTGAGE CORPORATION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Jul 15, 2046 |
| Rate | 6.51% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY MO |
| Property Address | 103 SPINNAKER DR, SMITHVILLE, MO 64089-9057 |
| Transaction Type | Mortgage |
| Record Updated | Jul 15, 2022 |
| Name | Verified Name |
|---|---|
| Address | 103 SPINNAKER DR, SMITHVILLE, MO 64089-9057 |
| Document Number | 0000022699 |
|---|---|
| Date | Jul 11, 2022 |
| Book Page | 9404/109 |
| Instrument | 2022022699 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2052 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | CLAY MO |
| Recording Date | May 16, 2022 |
| Property Address | 103 SPINNAKER DR, SMITHVILLE, MO 64089-9057 |
| Document Number | 0000016256 |
| Book / Page | 9367 / 90 |
| Instrument Date | May 3, 2022 |
| Instrument | 2022016256 |
| Transaction Type | Transfer |
| Record Updated | May 24, 2022 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1502 BRIDLEWOOD LN, 1502, RAYMORE, MO 64083-9080 |
| Name | Verified Name |
|---|---|
| Address | 103 SPINNAKER DR, SMITHVILLE, MO 64089-9057 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY MO |
| Recording Date | Aug 16, 2018 |
| Property Address | 103 SPINNAKER DR, SMITHVILLE, MO 64089-9057 |
| Document Number | 0000026857 |
| Book / Page | 008262 / 000051 |
| Instrument Date | Aug 10, 2018 |
| Instrument | 26857 |
| Transaction Type | Transfer |
| Record Updated | Aug 30, 2018 |
| Title Company | CONTINENTAL |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 103 SPINNAKER DR SMITHVILLE MO 640899057, SMITHVILLE, MO 64089-9057 |
| Document Number | 26883 |
|---|---|
| Date | Aug 16, 2018 |
| Book Page | 008262/000077 |
| Instrument | 26883 |
| Name | PRIME LNDG |
|---|---|
| Address | DALLAS, TX 75252 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Aug 15, 2048 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | CLAY MO |
| Recording Date | Nov 14, 2017 |
| Property Address | 103 SPINNAKER DR, SMITHVILLE, MO 64089-9057 |
| Document Number | 0000038729 |
| Book / Page | 008087 / 000111 |
| Instrument Date | Nov 6, 2017 |
| Instrument | 38729 |
| Transaction Type | Transfer |
| Record Updated | Dec 1, 2017 |
| Title Company | TITLE 365 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 103 SPINNAKER DR SMITHVILLE MO 640899057, SMITHVILLE, MO 64089-9057 |
| Document Number | 38730 |
|---|---|
| Date | Nov 14, 2017 |
| Book Page | 008087/000112 |
| Instrument | 38730 |
| Name | MR COOPER |
|---|---|
| Address | DALLAS, TX 75019 |
| Amount | Amount on Record |
|---|---|
| Term | 240 Months |
| Due | Nov 13, 2037 |
The 2025 property tax bill for 103 Spinnaker Dr was $3,134.
Source: Clay County assessment roll, as of May 27, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | Clay County |
| Municipality | Smithville City |
| Unified School District | Smithville R-II School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,134.00 | $44,040 | $231,789 |
| 2023 | $2,635.00 | $38,170 | $200,894 |
| 2019 | $2,195.00 |
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.
FEMA maps place 103 Spinnaker Dr in Zone X, an area of minimal flood risk, though there have been 33 flood claims nearby since 1981.
Source: FEMA National Flood Hazard Layer, effective May 10, 2018 · 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 File 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 |
|
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 risk around 103 Spinnaker Dr is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 95% of Missouri |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 369 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · DSL | 5,000 / 5,000 |
| United Fiber Fiber | 1,000 / 1,000 |
| Spectrum Cable | 1,000 / 35 |
| Wisper ISP Fixed Wireless | 400 / 30 |
| Verizon Fixed Wireless | 300 / 20 |
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