Clay County property record for 14604 Derby Rd, Smithville, MO 64089
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,479 sqft · built 2020 |
| Lot Size | 0.22 acres (9,583 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $324,900 (Dec 2020) |
| Tax Bill | $4,028 (2025) |
| Deeds & Mortgages | Aug 2026 Mortgage Dec 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-918-00-09-002.00 |
| Primary APN | 05-918-00-09-002.00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,479 sqft Living Area |
| 1st Floor Area | 1,479 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Architectural Style | Ranch |
| Exterior Material | Wood Siding |
| Roof Material | Composition Shingle |
| Lot Area | 9,583 sqft (0.22 acres) |
| Lot Dimensions | 1.3 ft deep x 0.8 ft wide |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 14604 DERBY RD |
|---|---|
| City | SMITHVILLE |
| State | MO |
| Zip | 64089-9029 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HILLS OF SHANNON 6TH PLAT LT 107 BLK 2 |
| Legal Range | 33W |
| Legal Township | 53N |
| Legal Section | 35 |
| Legal Subdivision | HILLS SHANNON 06 |
| Legal Block | 2 |
| Legal Lot Number | 107 |
| Jurisdiction | CLAY MO |
| Township / Civil Division | PLATTE |
| Census Block Group | 2 |
| Census Block | 2027 |
| Census Tract | 22000 |
14604 Derby Rd is owned and occupied by two individuals who bought it in December 2020.
Source: Clay County records, as of May 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 14604 DERBY RD, SMITHVILLE, MO 64089-9029 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Couple |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 18, 2026 | Deed of Trust, Mortgage · Conventional Mortgage AZURA CREDIT UNION |
| Dec 22, 2020 | Warranty Deed, Subdivision Related Transfer · FHA Mortgage FLAT BRANCH HOME LOANS INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 22, 2020 · Amount on File |
| Deed Sale | Dec 22, 2020 · Amount on File |
| Deed Document Number | 202050243 |
| Deed Book / Page | 8908 / 163 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY MO |
| Recording Date | Aug 18, 2026 |
| Property Address | 14604 DERBY RD, SMITHVILLE, MO 64089-9029 |
| Document Number | 0000022814 |
| Book / Page | 10234 / 19 |
| Instrument Date | Aug 11, 2026 |
| Instrument | 202622814 |
| Transaction Type | Mortgage |
| Record Updated | Sep 9, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 14604 DERBY RD, SMITHVILLE, MO 64089-9029 |
| Document Number | 0000022814, |
|---|---|
| Date | Aug 18, 2026 |
| Book Page | 10234/19 |
| Instrument | 202622814 |
| Name | AZURA CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | Sep 1, 2031 |
| Max Rate | -1% |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY MO |
| Recording Date | Dec 22, 2020 |
| Property Address | 14604 DERBY RD, SMITHVILLE, MO 64089-9029 |
| Document Number | 0000050243 |
| Book / Page | 8908 / 163 |
| Instrument Date | Dec 21, 2020 |
| Instrument | 2020050243 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Nov 25, 2021 |
| Title Company | STEWART TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 14604 DERBY RD, SMITHVILLE, MO 64089-9029 |
| Document Number | 0000050244 |
|---|---|
| Date | Dec 22, 2020 |
| Instrument | 2020050244 |
| Name | FLAT BRANCH HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2051 |
The 2025 property tax bill for 14604 Derby Rd was $4,028.
Source: Clay County assessment roll, as of May 27, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | Clay County |
| Municipality | Smithville City |
| Unified School District | Smithville R-II School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,028.00 | $56,600 | $297,895 |
| 2023 | $3,561.00 | $51,570 | $271,421 |
| 2019 | $355.00 |
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.
FEMA maps place 14604 Derby Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective May 10, 2018 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Claims | 46 (1978–1982) |
| Claims Outside the SFHA | 34 of 46 |
| Most Recent Claim | Aug 1982 · rainfall accumulation |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 14604 Derby Rd is low, with a 0.04% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 65% of the US · lower than 75% of Missouri |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 230 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber · Fixed Wireless, DSL in parts of the area | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| United Fiber Fiber | 1,000 / 1,000 |
| Wisper ISP Fixed Wireless | 400 / 30 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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