1306 Downing St, Liberty, MO 64068 Property Records

Clay County property record for 1306 Downing St, Liberty, MO 64068

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,602 sqft · built 1978
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,875 (2024)
Deeds & Mortgages	May 2026 Sale & Mortgage Dec 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`14-612-00-03-008.00`

Property Details

APN / Parcel Number

Primary APN	`14-612-00-03-008.00`
Alternative APNs	`1461200030080001` `241494`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,602 sqft Living Area
Gross Area	3,220 sqft
1st Floor Area	1,602 sqft
Basement Area	762 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Raised Ranch
Exterior Material	Wood Siding
Roof Material	Composition Shingle
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	124 ft deep x 71 ft wide
Garage Type	Attached
Garage Area	784 sqft
Parking Spaces	2 Parking Spaces
Porch	Covered Wood Porch
Patio Area	180 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1306 DOWNING ST
City	LIBERTY
State	MO
Zip	64068-3032
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CANTERBURY 3RD PLAT LT 15 BLK 8
Legal Range	32W
Legal Township	51N
Legal Section	13
Legal Subdivision	CANTERBURY 03
Legal Block	8
Legal Lot Number	15
Jurisdiction	CLAY MO
Township / Civil Division	LIBERTY
Census Block Group	1
Census Block	1012
Census Tract	22302

Owner

Source: Clay County records, as of May 6, 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 Record
Mailing Address	1306 DOWNING ST, LIBERTY, MO 64068-3032
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 28, 2026	Warranty Deed, Transfer · Conventional Mortgage LEADER ONE FINANCIAL CORPORATION
Dec 17, 2018	Deed of Trust, Mortgage · Line of Credit COMMUNITYAMERICA CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY MO
Recording Date	May 28, 2026
Property Address	1306 DOWNING ST, LIBERTY, MO 64068-3032
Document Number	0000014233
Book / Page	10176 / 116
Instrument Date	May 26, 2026
Instrument	202614233
Transaction Type	Transfer
Record Updated	Jun 11, 2026
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Estimated Sale Price
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1306 DOWNING ST, LIBERTY, MO 64068-3032

Mortgage

Document Number	0000014706,
Date	May 28, 2026
Book Page	10179/135
Instrument	202614706

Lender

Name	LEADER ONE FINANCIAL CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

Mortgage

Document Number	0000014715,
Date	Jun 1, 2026
Book Page	10180/7
Instrument	202614715

Lender

Name	MISSOURI HOUSING DEVELOPMENT COMMISSION

Agreement

Amount	Amount Recorded

Interest

Rate	6.3%
Max Rate	-1%

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MO
Property Address	1306 DOWNING ST, LIBERTY, MO 64068-3032
Document Number	0000041380
Instrument Date	Dec 17, 2018
Transaction Type	Mortgage
Record Updated	Jan 9, 2019
Title Company	WORLDWIDE RECORDING INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1306 DOWNING ST LIBERTY MO 640683032, LIBERTY, MO 64068-3032

Mortgage

Document Number	0000041380
Date	Dec 31, 2018
Book Page	008343/000131
Instrument	41380

Lender

Name	COMMUNITYAMERICA CU
Type	Credit Union
Address	LENEXA, KS 66219

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Dec 30, 2043

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Clay County assessment roll, as of September 17, 2025

Property Jurisdictions

Type	Name
State	Missouri
County	Clay County
Municipality	Liberty City
Unified School District	Liberty 53 School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$42,960 (+14.9%)	$226,105 (+14.9%)
2024	$2,875.00 (-1.68%)
2023	$2,924.00 (+17.81%)	$37,390	$196,789
2019	$2,482.00

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

Flood

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
Nearby Flood Policies	1 in force
Nearby Flood Claims	67 (1979–2017)
Claims Outside the SFHA	34 of 67
Most Recent Claim	Aug 2017 · rainfall accumulation
Claims by Event	Severe Storms, Tornadoes, And Flooding, May 2004 · 2 claims Severe Storms, Flooding And Tornadoes, Oct 1998 · 7 claims Severe Storms & Flooding, Sep 1993 · 2 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

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

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.6% of Missouri
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	LIBERTY PWS serves 30,800 people · EPA ID MO1010466
Water Source	Groundwater
Last State Inspection	Oct 2024
Lead	5 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	23 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 499 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Google Fiber Fiber	8,000 / 8,000
AT&T Fiber · DSL	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Wisper ISP.

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