104 Spinnaker Dr, Smithville, MO 64089 Property Records

Clay County property record for 104 Spinnaker Dr, Smithville, MO 64089

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,175 sqft · built 2003
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on File
Last Sale	$298,300 (Jul 2026)
Tax Bill	$2,925 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Jul 2026 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`05-319-00-07-037.00`

Property Details

APN / Parcel Number

Primary APN	`05-319-00-07-037.00`
Alternative APNs	`0531900070370001` `5319000703700` `237888`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,175 sqft Living Area
Gross Area	2,286 sqft
1st Floor Area	1,175 sqft
Basement Area	513 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Split Level
Exterior Material	Wood Siding
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	10,890 sqft (0.25 acres)
Lot Dimensions	160 ft deep x 70 ft wide
Garage Type	Attached
Garage Area	598 sqft
Parking Spaces	2 Parking Spaces
Deck Area	159 sqft
Patio Area	159 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	104 SPINNAKER DR
City	SMITHVILLE
State	MO
Zip	64089-9057
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HARBORVIEW 9TH PLAT LT 2
Legal Range	33W
Legal Township	53N
Legal Section	12
Legal Subdivision	HARBORVIEW 09
Legal Lot Number	2
Jurisdiction	CLAY MO
Township / Civil Division	PLATTE
Census Block Group	1
Census Block	1004
Census Tract	22000

Owner

104 Spinnaker Dr is owned and occupied by two individuals who bought it in July 2026.

Source: Clay County records, as of August 4, 2026

Owner of Record	2 Individual Names on File
Mailing Address	104 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.

Deeds, Mortgages & Sale History

Date	Document
Jul 24, 2026	Deed of Trust, Mortgage · VA Mortgage NAVY FEDERAL CREDIT UNION
Jul 24, 2026	Re-recorded Document, Transfer · VA Mortgage NAVY FEDERAL CREDIT UNION
Jul 23, 2026	Warranty Deed, Transfer · VA Mortgage NAVY FEDERAL CREDIT UNION
Jun 16, 2022	Deed of Trust, Mortgage · VA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Jun 15, 2022	Warranty Deed, Transfer SECURITY FIRST TITLE, SECURITY 1ST TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 24, 2026 · Amount on File
Deed Sale	Jul 24, 2026 · Amount on File
Prior Sale	Jul 23, 2026 · Amount on File
Deed Document Number	202620335
Deed Book / Page	10217 / 88
Prior Transfer Date	Jul 21, 2026
Prior Transfer Doc	0000020335
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MO
Recording Date	Jul 24, 2026
Property Address	104 SPINNAKER DR, SMITHVILLE, MO 64089-9057
Document Number	0000020336
Book / Page	10217 / 89
Instrument Date	Jul 23, 2026
Instrument	202620336
Transaction Type	Mortgage
Record Updated	Aug 4, 2026
Title Company	ALLIANCE TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	106 S PRAIRIE ROSE ST, SMITHVILLE, MO 64089-8344

Mortgage

Document Number	0000020336,
Date	Jul 24, 2026
Book Page	10217/89
Instrument	202620336

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.49%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

July 2026: Re-recorded Document, Transfer

Document Type	Re-recorded Document
Jurisdiction	CLAY MO
Recording Date	Jul 24, 2026
Property Address	104 SPINNAKER DR, SMITHVILLE, MO 64089-9057
Document Number	0000020335
Book / Page	10217 / 88
Instrument Date	Jul 21, 2026
Instrument	202620335
Transaction Type	Transfer
Record Updated	Aug 4, 2026
Title Company	ALLIANCE TITLE COMPANY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Estimated Sale Price

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 SPINNAKER DR, SMITHVILLE, MO 64089-9057

Mortgage

Document Number	0000020335,
Date	Jul 24, 2026
Book Page	10217/89
Instrument	202620335

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.49%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY MO
Recording Date	Jul 23, 2026
Property Address	104 SPINNAKER DR, SMITHVILLE, MO 64089-9057
Document Number	0000000007
Book / Page	10217 / 20
Instrument Date	Jul 21, 2026
Instrument	20267
Transaction Type	Transfer
Record Updated	Oct 23, 2026
Title Company	ALLIANCE TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 SPINNAKER DR, SMITHVILLE, MO 64089-9057

Mortgage

Document Number	0000000008,
Date	Jul 23, 2026
Book Page	10217/21
Instrument	202620268

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MO
Property Address	104 SPINNAKER DR, SMITHVILLE, MO 64089-9057
Transaction Type	Mortgage
Record Updated	Nov 7, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 SPINNAKER DR, SMITHVILLE, MO 64089-9057

Mortgage

Document Number	0000019986
Date	Jun 16, 2022
Book Page	9388/132
Instrument	2022019986

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2052

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY MO
Recording Date	Jun 15, 2022
Property Address	104 SPINNAKER DR, SMITHVILLE, MO 64089-9057
Document Number	0000019932
Book / Page	9388 / 79
Instrument Date	Jun 14, 2022
Instrument	2022019932
Transaction Type	Transfer
Record Updated	Jun 22, 2022
Title Company	SECURITY FIRST TITLE, SECURITY 1ST TITLE

Transaction

Tax	$0.00
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	104 SPINNAKER DR, SMITHVILLE, MO 64089-9057

Tax Assessment & Valuation

The 2025 property tax bill for 104 Spinnaker Dr was $2,925.

Source: Clay County assessment roll, as of May 27, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,925.00	$41,100	$216,316
2023	$2,485.00	$35,990	$189,421
2019	$1,954.00

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.

Flood

FEMA maps place 104 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	Severe Storms, Flooding And Tornadoes, Oct 1998 · 3 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

Wildfire risk around 104 Spinnaker Dr is low, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Low lower than 63% of the US · lower than 70% of Missouri
Wildfire Likelihood	0.05% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 193 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30
Verizon Fixed Wireless	300 / 20

May also be available: United Fiber.

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