14103 Lora St, Smithville, MO 64089 Property Records

Clay County property record for 14103 Lora St, Smithville, MO 64089

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,624 sqft · built 1996
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on Record
Last Sale	$149,000 (Jul 2017)
Tax Bill	$3,173 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Apr 2023 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`09-305-00-02-002.00`

Property Details

APN / Parcel Number

Primary APN	`09-305-00-02-002.00`
Alternative APNs	`0930500020020001` `9305000200200` `260903`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	12 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,624 sqft Living Area
Gross Area	2,927 sqft
1st Floor Area	812 sqft
Basement Area	783 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Bi-Level
Exterior Material	Wood Siding
Roof Material	Composition Shingle
Lot Area	6,970 sqft (0.16 acres)
Lot Dimensions	110 ft deep x 65 ft wide
Garage Type	Attached
Garage Area	520 sqft
Parking Spaces	2 Parking Spaces
Deck Area	156 sqft
Patio Area	156 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	14103 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 2
Legal Range	33W
Legal Township	52N
Legal Section	02
Legal Subdivision	WOODS COURT 1ST
Legal Lot Number	2
Jurisdiction	CLAY MO
Township / Civil Division	PLATTE
Census Block Group	3
Census Block	3060
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	Individual Name on Record
Mailing Address	14103 LORA ST, SMITHVILLE, MO 64089-8480
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 2, 2025	Deed of Trust, Mortgage NORTHLAND INVESTMENT GROUP LLC
Apr 5, 2023	Deed of Trust, Mortgage · Line of Credit COMMUNITYAMERICA CU
May 29, 2020	Deed of Trust, Mortgage JAMES B NUTTER & CO
Jul 28, 2017	Quit Claim Deed, Transfer · FHA Mortgage JAMES B NUTTER & CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 28, 2017 · Amount on Record
Deed Sale	Jul 28, 2017 · Amount on Record
Prior Sale	Sep 18, 2002 · Amount on Record
Deed Document Number	201725667
Deed Book / Page	8015 / 34
Prior Transfer Date	Jul 24, 2017
Prior Transfer Doc	0000025666
Record Updated	Sep 20, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MO
Property Address	14103 LORA ST, SMITHVILLE, MO 64089-8480
Transaction Type	Mortgage
Record Updated	Oct 10, 2025
Title Company	ALLIANCE TITLE COMPANY, ALLIANCE TITLE COMPANY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000025446
Date	Oct 2, 2025
Book Page	10024/49
Instrument	2025025446

Lender

Name	NORTHLAND INVESTMENT GROUP LLC
Type	Non-Lending Institution
Address	KANSAS CITY, MO 64188

Agreement

Amount	Amount Recorded

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MO
Property Address	14103 LORA ST, SMITHVILLE, MO 64089-8480
Transaction Type	Mortgage
Record Updated	May 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14103 LORA ST, SMITHVILLE, MO 64089-8480

Mortgage

Document Number	0000007580
Date	Apr 5, 2023
Book Page	9540/146
Instrument	2023007580

Lender

Name	COMMUNITYAMERICA CU
Type	Credit Union
Address	LENEXA, KS 66219

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Mar 15, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MO
Property Address	14103 LORA ST, SMITHVILLE, MO 64089-8480
Document Number	0000017802
Instrument Date	May 29, 2020
Transaction Type	Mortgage
Record Updated	Jul 14, 2020
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14103 LORA ST SMITHVILLE MO 640898480, SMITHVILLE, MO 64089-8480

Mortgage

Document Number	0000017802
Date	Jun 3, 2020
Book Page	008694/000117
Instrument	17802

Lender

Name	JAMES B NUTTER & CO
Type	Funding / Finance Company
Address	KANSAS CITY, MO 64111

Agreement

Amount	Amount Recorded
Term	300 Months
Due	Jun 2, 2045

July 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CLAY MO
Recording Date	Jul 28, 2017
Property Address	14103 LORA ST, SMITHVILLE, MO 64089-8480
Document Number	0000025667
Book / Page	008015 / 000034
Instrument Date	Jun 26, 2017
Instrument	25667
Transaction Type	Transfer
Record Updated	Sep 1, 2017
Title Company	STEWART TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14103 LORA ST SMITHVILLE MO 640898480, SMITHVILLE, MO 64089-8480

Mortgage

Document Number	25668
Date	Jul 28, 2017
Book Page	008015/000035
Instrument	25668

Lender

Name	JAMES B NUTTER & CO
Type	Funding / Finance Company
Address	KANSAS CITY, MO 64111

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 27, 2047

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	$3,173.00 (+11.88%)	$44,590 (+8.54%)	$234,684 (+8.54%)
2023	$2,836.00 (+21.4%)	$41,080	$216,210
2019	$2,336.00

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

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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