14109 Lora St, Smithville, MO 64089 Property Records

Clay County property record for 14109 Lora St, Smithville, MO 64089

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,467 sqft · built 1995
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on Record
Tax Bill	$3,269 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Apr 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-305-00-02-005.00`

Property Details

APN / Parcel Number

Primary APN	`09-305-00-02-005.00`
Alternative APNs	`0930500020050001` `9305000200500` `262691`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,467 sqft Living Area
Gross Area	2,906 sqft
1st Floor Area	1,467 sqft
Basement Area	999 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Split Level
Exterior Material	Wood Siding
Foundation Type	Concrete
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	440 sqft
Parking Spaces	2 Parking Spaces
Deck Area	170 sqft
Patio Area	170 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	14109 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 5
Legal Range	33W
Legal Township	52N
Legal Section	02
Legal Subdivision	WOODS COURT 1ST
Legal Lot Number	5
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	14109 LORA ST, SMITHVILLE, MO 64089-8480
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 25, 2022	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITYAMERICA CU
Apr 27, 2018	Warranty Deed, Transfer PRIME LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 27, 2018
Deed Sale	Apr 27, 2018
Prior Sale	Sep 10, 2007 · Amount on Record
Deed Document Number	201813110
Deed Book / Page	8186 / 126
Record Updated	Oct 29, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MO
Property Address	14109 LORA ST, SMITHVILLE, MO 64089-8480
Transaction Type	Mortgage
Record Updated	Mar 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14109 LORA ST, SMITHVILLE, MO 64089-8480

Mortgage

Document Number	0000009864
Date	Mar 25, 2022
Book Page	9330/27
Instrument	2022009864

Lender

Name	COMMUNITYAMERICA CU
Type	Credit Union
Address	LENEXA, KS 66219

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2037

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY MO
Recording Date	Apr 27, 2018
Property Address	14109 LORA ST, SMITHVILLE, MO 64089-8480
Document Number	0000013110
Book / Page	008186 / 000126
Instrument Date	Apr 25, 2018
Instrument	13110
Transaction Type	Transfer
Record Updated	May 24, 2018
Title Company	PLATINUM TITLE LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14109 LORA ST SMITHVILLE MO 640898480, SMITHVILLE, MO 64089-8480

Mortgage

Document Number	13327
Date	Apr 27, 2018
Book Page	008187/000131
Instrument	13327

Lender

Name	PRIME LNDG
Address	DALLAS, TX 75252

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Apr 26, 2048

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	$3,269.00 (+10.96%)	$45,940 (+7.66%)	$241,789 (+7.66%)
2023	$2,946.00 (+24.46%)	$42,670	$224,578
2019	$2,367.00

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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