1608 Ray St, Liberty, MO 64068 Property Records

Clay County property record for 1608 Ray St, Liberty, MO 64068

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,098 sqft · built 1980
Lot Size	0.37 acres (16,117 sqft)
Owner	2 Individual Names on File
Last Sale	$303,240 (Nov 2025)
Tax Bill	$2,349 (2024)
Deeds & Mortgages	Nov 2025 Mortgage Feb 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`15-409-00-02-008.00`

Property Details

APN / Parcel Number

Primary APN	`15-409-00-02-008.00`
Alternative APNs	`1540900020080001` `270930`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,098 sqft Living Area
Gross Area	2,058 sqft
1st Floor Area	1,098 sqft
Basement Area	432 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Raised Ranch
Exterior Material	Wood Siding
Roof Material	Composition Shingle
Lot Area	16,117 sqft (0.37 acres)
Lot Dimensions	157 ft deep x 54 ft wide
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Patio Area	196 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1608 RAY ST
City	LIBERTY
State	MO
Zip	64068-2701
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOLT ESTATES 1ST PLAT LT 8
Legal Range	31W
Legal Township	51N
Legal Section	18
Legal Subdivision	HOLT ESTATES 1ST
Legal Lot Number	8
Jurisdiction	CLAY MO
Township / Civil Division	LIBERTY
Census Block Group	3
Census Block	3000
Census Tract	22301

Owner

1608 Ray St is owned and occupied by two individuals who bought it in November 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	1608 RAY ST, LIBERTY, MO 64068-2701
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Nov 20, 2025	Warranty Deed, Transfer · Conventional Mortgage ENVOY MORTGAGE LTD
Feb 21, 2023	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Apr 27, 2020	Deed of Trust, Mortgage · Line of Credit US BANK NA
Jan 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 20, 2025 · Amount on File
Deed Sale	Nov 20, 2025 · Amount on File
Prior Sale	Feb 21, 2023 · Amount on File
Deed Document Number	202530128
Deed Book / Page	10056 / 36
Record Updated	Sep 20, 2026

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY MO
Recording Date	Nov 20, 2025
Property Address	1608 RAY ST, LIBERTY, MO 64068-2701
Document Number	0000030128
Book / Page	10056 / 36
Instrument Date	Nov 5, 2025
Instrument	2025030128
Transaction Type	Transfer
Record Updated	Dec 4, 2025
Title Company	AUSTIN TITLE, ATC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1608 RAY ST, LIBERTY, MO 64068-2701

Mortgage

Document Number	0000030155
Date	Nov 20, 2025
Instrument	2025030155

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2055

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY MO
Recording Date	Feb 21, 2023
Property Address	1608 RAY ST, LIBERTY, MO 64068-2701
Document Number	0000003416
Book / Page	9519 / 7
Instrument Date	Feb 17, 2023
Instrument	2023003416
Transaction Type	Transfer
Record Updated	Feb 28, 2023

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1608 RAY ST, LIBERTY, MO 64068-2701

Mortgage

Document Number	0000003417
Date	Feb 21, 2023
Instrument	2023003417

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2053

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MO
Property Address	1608 RAY ST, LIBERTY, MO 64068-2701
Transaction Type	Mortgage
Record Updated	Nov 25, 2021
Title Company	SOLIDIFI US INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000012727
Date	Apr 27, 2020
Book Page	8660/57
Instrument	2020012727

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	358 Months
Due	Feb 12, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MO
Property Address	1608 RAY ST, LIBERTY, MO 64068-2701
Transaction Type	Mortgage
Record Updated	Nov 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002088
Date	Jan 15, 2021
Book Page	8932/32
Instrument	2021002088

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Feb 1, 2041

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Missouri
County	Clay County
Municipality	Liberty City
Unified School District	Liberty 53 School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$39,670	$208,789
2024	$2,349.00 (-1.67%)
2023	$2,389.00	$30,550	$160,789
2019	$1,964.00

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 1608 Ray St in Zone X, an area of minimal flood risk.

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	1 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

Wildfire risk around 1608 Ray St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.6% of Missouri
Wildfire Likelihood	Under 0.01% 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	LIBERTY PWS serves 30,800 people · EPA ID MO1010466
Water Source	Groundwater
Last State Inspection	Oct 2024
Lead	5 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	23 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 366 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Google Fiber Fiber	8,000 / 8,000
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Wisper ISP.

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