1609 Ray St, Liberty, MO 64068 Property Records

Clay County property record for 1609 Ray St, Liberty, MO 64068

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,265 sqft · built 1980
Lot Size	0.35 acres (15,246 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,041 (2025)
Deeds & Mortgages	Oct 2025 Second Mortgage Dec 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`15-409-00-02-004.00`

Property Details

APN / Parcel Number

Primary APN	`15-409-00-02-004.00`
Alternative APNs	`1540900020040001` `249514`

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	1,265 sqft Living Area
Gross Area	2,678 sqft
1st Floor Area	1,242 sqft
Basement Area	552 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Split Level
Exterior Material	Wood Siding
Roof Material	Composition Shingle
Lot Area	15,246 sqft (0.35 acres)
Lot Dimensions	138 ft deep x 106 ft wide
Garage Type	Attached
Garage Area	861 sqft
Parking Spaces	5 Parking Spaces
Deck Area	276 sqft
Patio Area	276 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1609 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 4
Legal Range	31W
Legal Township	51N
Legal Section	18
Legal Subdivision	HOLT ESTATES 1ST
Legal Lot Number	4
Jurisdiction	CLAY MO
Township / Civil Division	LIBERTY
Census Block Group	3
Census Block	3000
Census Tract	22301

Owner

1609 Ray St is owned and occupied by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	1609 RAY ST, LIBERTY, MO 64068-2701
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
Oct 14, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC
Dec 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Apr 11, 2020	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS
Nov 6, 2017	Deed of Trust, Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MO
Property Address	1609 RAY ST, LIBERTY, MO 64068-2701
Transaction Type	Mortgage
Record Updated	Oct 22, 2025
Title Company	UNKNOWN, ROCKET CLOSE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1609 RAY ST, LIBERTY, MO 64068-2701

Mortgage

Document Number	0000026434
Date	Oct 14, 2025
Book Page	10030/107
Instrument	2025026434

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	241 Months
Due	Nov 1, 2045

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MO
Property Address	1609 RAY ST, LIBERTY, MO 64068-2701
Transaction Type	Mortgage
Record Updated	Dec 29, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1609 RAY ST, LIBERTY, MO 64068-2701

Mortgage

Document Number	0000054052
Date	Dec 20, 2021
Book Page	9262/51
Instrument	2021054052

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MO
Property Address	1609 RAY ST, LIBERTY, MO 64068-2701
Document Number	0000011530
Instrument Date	Apr 11, 2020
Transaction Type	Mortgage
Record Updated	Jun 10, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1609 RAY ST LIBERTY MO 640682701, LIBERTY, MO 64068-2701

Mortgage

Document Number	0000011530
Date	Apr 16, 2020
Book Page	008651/000125
Instrument	11530

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	CHESTERFIELD, MO 63017

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 15, 2050

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MO
Property Address	1609 RAY ST, LIBERTY, MO 64068-2701
Document Number	0000038572
Book / Page	008086 / 000152
Instrument Date	Nov 6, 2017
Transaction Type	Mortgage
Record Updated	Dec 1, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1609 RAY ST LIBERTY MO 640682701, LIBERTY, MO 64068-2701

Mortgage

Document Number	0000038572
Date	Nov 13, 2017
Book Page	008086/000152
Instrument	38572

Lender

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

Agreement

Amount	Amount on Record
Term	360 Months
Due	Nov 12, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 1609 Ray St was $3,041.

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	$3,041.00	$42,330	$222,789
2023	$3,019.00	$38,610	$203,210
2019	$2,383.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1609 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 1609 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.

Nearby Properties on Ray St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures