14102 Lora St, Smithville, MO 64089 Property Records

Clay County property record for 14102 Lora St, Smithville, MO 64089

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,436 sqft · built 1995
Lot Size	0.19 acres (8,276 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,508 (2025)
Deeds & Mortgages	Jan 2020 Loan Modification Jan 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-305-00-01-002.00`

Property Details

APN / Parcel Number

Primary APN	`09-305-00-01-002.00`
Alternative APNs	`0930500010020001` `9305000100200` `306701`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	13 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,436 sqft Living Area
Gross Area	2,850 sqft
1st Floor Area	1,436 sqft
Basement Area	1,014 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Bi-Level
Exterior Material	Wood Siding
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	8,276 sqft (0.19 acres)
Lot Dimensions	112 ft deep x 70 ft wide
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Deck Area	160 sqft
Patio Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	14102 LORA ST
City	SMITHVILLE
State	MO
Zip	64089-8480
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WOODS COURT 1ST PLAT LT 29
Legal Range	33W
Legal Township	52N
Legal Section	02
Legal Subdivision	WOODS COURT 1ST
Legal Lot Number	29
Jurisdiction	CLAY MO
Township / Civil Division	PLATTE
Census Block Group	3
Census Block	3011
Census Tract	21900

Owner

Source: Clay County records, as of May 27, 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	14102 LORA ST, SMITHVILLE, MO 64089-8480
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 30, 2020	Loan Modification, Mortgage WELLS FARGO BK
Jan 30, 2020	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 16, 2016
Deed Sale	Mar 16, 2016
Prior Sale	Jul 8, 2015 · Amount on Record
Deed Document Number	20167766
Deed Book / Page	7672 / 112
Prior Transfer Date	Mar 18, 2015
Prior Transfer Doc	0000027939
Record Updated	Oct 29, 2026

January 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CLAY MO
Property Address	14102 LORA ST, SMITHVILLE, MO 64089-8480
Document Number	0000007785
Instrument Date	Jan 30, 2020
Transaction Type	Mortgage
Record Updated	May 25, 2020
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14102 LORA ST SMITHVILLE MO 640898480, SMITHVILLE, MO 64089-8480

Mortgage

Document Number	0000007785
Date	Mar 13, 2020
Book Page	008626/000006
Instrument	7785

Lender

Name	WELLS FARGO BK
Type	Bank
Address	DES MOINES, IA 50328

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Mar 12, 2050

Interest

Rate	3.75%

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MO
Property Address	14102 LORA ST, SMITHVILLE, MO 64089-8480
Document Number	0000004782
Instrument Date	Jan 30, 2020
Transaction Type	Mortgage
Record Updated	Feb 25, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14102 LORA ST SMITHVILLE MO 640898480, SMITHVILLE, MO 64089-8480

Mortgage

Document Number	0000004782
Date	Feb 14, 2020
Book Page	008606/000119
Instrument	4782

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 13, 2050

Tax Assessment & Valuation

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	$3,508.00 (+13.09%)	$49,290 (+9.73%)	$259,421 (+9.73%)
2023	$3,102.00 (+24.33%)	$44,920	$236,421
2019	$2,495.00

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 64% of the US · lower than 72% of Missouri
Wildfire Likelihood	0.05% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	SMITHVILLE PWS serves 10,885 people · EPA ID MO1010748
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, 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 79 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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