14120 Lora St, Smithville, MO 64089 Property Records

Clay County property record for 14120 Lora St, Smithville, MO 64089

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,256 sqft · built 1996
Lot Size	0.19 acres (8,276 sqft)
Owner	2 Individual Names on File
Last Sale	$145,500 (Dec 2003)
Tax Bill	$3,176 (2025)
Deeds & Mortgages	Jun 2020 Mortgage Jul 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09-305-00-01-011.00`

Property Details

APN / Parcel Number

Primary APN	`09-305-00-01-011.00`
Alternative APNs	`0930500010110001` `9305000101100` `313258`

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	1,256 sqft Living Area
Gross Area	2,435 sqft
1st Floor Area	1,256 sqft
Basement Area	585 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	8,276 sqft (0.19 acres)
Lot Dimensions	112 ft deep x 70 ft wide
Garage Type	Attached
Garage Area	594 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	14120 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 20
Legal Range	33W
Legal Township	52N
Legal Section	02
Legal Subdivision	WOODS COURT 1ST
Legal Lot Number	20
Jurisdiction	CLAY MO
Township / Civil Division	PLATTE
Census Block Group	3
Census Block	3011
Census Tract	21900

Owner

14120 Lora St is owned and occupied by two individuals who bought it in December 2003.

Source: Clay County records, as of May 27, 2026

Owner of Record	2 Individual Names on File
Mailing Address	14120 LORA ST, SMITHVILLE, MO 64089-8480
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 5, 2020	Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS
Jul 27, 2019	Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS
Aug 9, 2017	Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 16, 2003 · Amount on File
Deed Sale	Dec 16, 2003 · Amount on File
Prior Sale	Aug 30, 1999 · Amount on File
Deed Document Number	200343055
Deed Book / Page	4446 / 698
Record Updated	Sep 20, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MO
Property Address	14120 LORA ST, SMITHVILLE, MO 64089-8480
Document Number	0000018890
Instrument Date	Jun 5, 2020
Transaction Type	Mortgage
Record Updated	Jul 15, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	14120 LORA ST SMITHVILLE MO 640898480, SMITHVILLE, MO 64089-8480

Mortgage

Document Number	0000018890
Date	Jun 11, 2020
Book Page	008702/000042
Instrument	18890

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 10, 2050

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MO
Property Address	14120 LORA ST, SMITHVILLE, MO 64089-8480
Document Number	0000021335
Instrument Date	Jul 27, 2019
Transaction Type	Mortgage
Record Updated	Aug 13, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	14120 LORA ST SMITHVILLE MO 640898480, SMITHVILLE, MO 64089-8480

Mortgage

Document Number	0000021335
Date	Aug 1, 2019
Book Page	008466/000085
Instrument	21335

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 31, 2049

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MO
Property Address	14120 LORA ST, SMITHVILLE, MO 64089-8480
Document Number	0000027820
Book / Page	008026 / 000018
Instrument Date	Aug 9, 2017
Transaction Type	Mortgage
Record Updated	Sep 12, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	14120 LORA ST SMITHVILLE MO 640898480, SMITHVILLE, MO 64089-8480

Mortgage

Document Number	0000027820
Date	Aug 15, 2017
Book Page	008026/000018
Instrument	27820

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 14, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 14120 Lora St was $3,176.

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	$3,176.00	$44,630	$234,895
2023	$2,809.00	$40,680	$214,105
2019	$2,334.00

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

FEMA maps place 14120 Lora St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 14120 Lora St is moderate, ranking above 42% of the US, with a 0.08% annual chance of 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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