1603 Willow Ln, Kearney, MO 64060 Property Records

Clay County property record for 1603 Willow Ln, Kearney, MO 64060

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · built 2021
Owner	2 Individual Names on Record
Last Sale	$325,253 (Jul 2021)
Tax Bill	$3,747 (2025)
Deeds & Mortgages	Apr 2024 Mortgage Mar 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`07-809-00-12-002.00`

Property Details

APN / Parcel Number

Primary APN	`07-809-00-12-002.00`
Alternative APNs	`7809001200200` `360487`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	2 Rooms

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Wood Siding

Location & Zoning

Street Address	1603 WILLOW LN
City	KEARNEY
State	MO
Zip	64060-8937
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COTTONWOOD CREEK 3RD PLAT LT 75
Legal Range	31W
Legal Township	53N
Legal Section	28
Legal Subdivision	COTTONWOOD CREEK 3RD
Legal Lot Number	75
Jurisdiction	CLAY MO
Township / Civil Division	KEARNEY
Census Block Group	1
Census Block	1040
Census Tract	21809

Owner

Source: Clay County records, as of August 21, 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	1603 WILLOW LN, KEARNEY, MO 64060-8937
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Apr 8, 2024	Deed of Trust, Mortgage · FHA Mortgage CLICK N CLOSE INC
Mar 23, 2022	Deed of Trust, Mortgage · FHA Mortgage PROSPERITY HOME MORTGAGE LLC
Jul 14, 2021	Warranty Deed, Transfer · FHA Mortgage PROSPERITY HOME MORTGAGE LLC
Feb 19, 2021	Warranty Deed, Transfer · Commercial Mortgage EXCHANGE BANK & TRUST CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 14, 2021 · Amount on Record
Deed Sale	Jul 14, 2021 · Amount on Record
Prior Sale	Feb 19, 2021 · Amount on Record
Deed Document Number	202130385
Deed Book / Page	9113 / 101
Record Updated	Oct 29, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MO
Property Address	1603 WILLOW LN, KEARNEY, MO 64060-8937
Transaction Type	Mortgage
Record Updated	Apr 16, 2024
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1603 WILLOW LN, KEARNEY, MO 64060-8937
Investor	Possibly a Property Investor

Mortgage

Document Number	0000006891
Date	Apr 8, 2024
Book Page	9715/80
Instrument	2024006891

Lender

Name	CLICK N CLOSE INC
Type	Mortgage Company
Address	ADDISON, TX 75001

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	328 Months
Due	Aug 1, 2051

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MO
Property Address	1603 WILLOW LN, KEARNEY, MO 64060-8937
Transaction Type	Mortgage
Record Updated	Mar 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000009572
Date	Mar 23, 2022
Book Page	9328/65
Instrument	2022009572

Lender

Name	PROSPERITY HOME MORTGAGE LLC
Type	Mortgage Company
Address	CHANTILLY, VA 20151

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	353 Months
Due	Aug 1, 2051

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY MO
Recording Date	Jul 14, 2021
Property Address	1603 WILLOW LN, KEARNEY, MO 64060-8937
Document Number	0000030385
Book / Page	9113 / 101
Instrument Date	Jul 9, 2021
Instrument	2021030385
Transaction Type	Transfer
Record Updated	Mar 7, 2023
Title Company	THOMSON AFFINITY 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	1603 WILLOW LN, KEARNEY, MO 64060-8937

Mortgage

Document Number	0000030386
Date	Jul 14, 2021
Instrument	2021030386

Lender

Name	PROSPERITY HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

Mortgage

Document Number	0000030387
Date	Jul 14, 2021
Book Page	9113/103
Instrument	2021030387

Lender

Name	PROSPERITY HOME MORTGAGE LLC
Type	Mortgage Company
Address	CHANTILLY, VA 20151

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Jul 8, 2026

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY MO
Recording Date	Feb 19, 2021
Property Address	1603 WILLOW LN, KEARNEY, MO 64060-8937
Document Number	0000007190
Book / Page	8966 / 126
Instrument Date	Feb 18, 2021
Instrument	2021007190
Transaction Type	Transfer
Record Updated	Mar 7, 2023
Title Company	THOMSON AFFINITY TITLE, THOMSON AFFINITY 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	647 W STATE ROUTE 92, KEARNEY, MO 64060-8661

Mortgage

Document Number	0000007191
Date	Feb 19, 2021
Instrument	2021007191

Lender

Name	EXCHANGE BANK & TRUST CO
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Clay County assessment roll, as of May 27, 2026

Property Jurisdictions

Type	Name
State	Missouri
County	Clay County
Municipality	Kearney City
Unified School District	Kearney R-I School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,747.00 (+5.76%)	$57,270 (+10.37%)	$301,421 (+10.37%)
2023	$3,543.00	$51,890	$273,105

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force

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

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	0.05% annual chance
Exposure	None beyond ember reach

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	CLAY COUNTY PWSD 6 serves 4,912 people · EPA ID MO1024146
Water Source	Purchased surface water from several systems
Last State Inspection	Jan 2024
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 165 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
United Fiber Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Brightspeed, Intercept Fiber, Verizon, Wisper ISP.

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