14113 Lora St, Smithville, MO 64089 Property Records

Clay County property record for 14113 Lora St, Smithville, MO 64089

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,247 sqft · built 1995
Lot Size	0.16 acres (6,970 sqft)
Owner	2 Individual Names on Record
Last Sale	$223,900 (Nov 2020)
Tax Bill	$3,268 (2025)
Deeds & Mortgages	Sep 2025 Line of Credit Nov 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-305-00-02-007.00`

Property Details

APN / Parcel Number

Primary APN	`09-305-00-02-007.00`
Alternative APNs	`0930500020070001` `9305000200700` `319589`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	12 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,247 sqft Living Area
Gross Area	2,391 sqft
1st Floor Area	1,247 sqft
Basement Area	468 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	6,970 sqft (0.16 acres)
Lot Dimensions	110 ft deep x 65 ft wide
Garage Type	Attached
Garage Area	676 sqft
Parking Spaces	2 Parking Spaces
Deck Area	144 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	14113 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 7
Legal Range	33W
Legal Township	52N
Legal Section	02
Legal Subdivision	WOODS COURT 1ST
Legal Lot Number	7
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	2 Individual Names on Record
Mailing Address	14113 LORA ST, SMITHVILLE, MO 64089-8480
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Sep 12, 2025	Deed of Trust, Mortgage · Line of Credit BMO BANK NA
Nov 10, 2020	Warranty Deed, Transfer · FHA Mortgage UNION HOME MORTGAGE CORP
Mar 31, 2017	Warranty Deed, Transfer · VA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 10, 2020 · Amount on Record
Deed Sale	Nov 10, 2020 · Amount on Record
Prior Sale	Mar 31, 2017 · Amount on Record
Deed Document Number	202043182
Deed Book / Page	8863 / 101
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MO
Property Address	14113 LORA ST, SMITHVILLE, MO 64089-8480
Transaction Type	Mortgage
Record Updated	Sep 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14113 LORA ST, SMITHVILLE, MO 64089-8480

Mortgage

Document Number	0000023338
Date	Sep 12, 2025
Book Page	10011/49
Instrument	2025023338

Lender

Name	BMO BANK NA
Type	Bank
Address	CHICAGO, IL 60606

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 10, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY MO
Recording Date	Nov 10, 2020
Property Address	14113 LORA ST, SMITHVILLE, MO 64089-8480
Document Number	0000043182
Book / Page	8863 / 101
Instrument Date	Nov 9, 2020
Instrument	2020043182
Transaction Type	Transfer
Record Updated	Nov 25, 2021
Title Company	ALLIANCE TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14113 LORA ST, SMITHVILLE, MO 64089-8480
Investor	Possibly a Property Investor

Mortgage

Document Number	0000043183
Date	Nov 10, 2020
Instrument	2020043183

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY MO
Recording Date	Mar 31, 2017
Property Address	14113 LORA ST, SMITHVILLE, MO 64089-8480
Document Number	0000010108
Book / Page	7933 / 010
Instrument Date	Mar 31, 2017
Instrument	2017010108
Transaction Type	Transfer
Record Updated	Nov 25, 2021
Title Company	STEWART TITLE CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14113 LORA ST, SMITHVILLE, MO 64089-8480

Mortgage

Document Number	0000010109
Date	Mar 31, 2017
Instrument	2017010109

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 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	$3,268.00 (+14.15%)	$45,920 (+10.76%)	$241,684 (+10.76%)
2023	$2,863.00 (+28.67%)	$41,460	$218,210
2019	$2,225.00

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	Moderate above 42% of the US · above 45% of Missouri
Wildfire Likelihood	0.08% 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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