16104 Speaker Ave, Belton, MO 64012 Property Records

Cass County property record for 16104 Speaker Ave, Belton, MO 64012

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,316 sqft · built 1981
Lot Size	0.4 acres (17,424 sqft)
Owner	Individual Name on File
Tax Bill	$6,030 (2025)
Deeds & Mortgages	Aug 2022 Line of Credit Aug 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`04-03-06-300-014-014.000`

Property Details

APN / Parcel Number

Primary APN	`04-03-06-300-014-014.000`
Alternative APN	`2409300`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,316 sqft Living Area
1st Floor Area	1,316 sqft
Basement Area	1,316 sqft
Finished Basement	384 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Asphalt
Lot Area	17,424 sqft (0.4 acres)
Lot Dimensions	155 ft deep x 100 ft wide
Garage Type	Basement
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	20 sqft
Deck Area	120 sqft
Patio Area	344 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Account Number	2409300
Street Address	16104 SPEAKER AVE
City	BELTON
State	MO
Zip	64012-1645
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MARTINWOOD ADD. LOT 47
Legal Range	32
Legal Township	46
Legal Section	06
Legal Subdivision	MARTINWOOD
Legal Lot Number	47
Jurisdiction	CASS MO
Township / Civil Division	RAYMORE
Census Block Group	5
Census Block	5020
Census Tract	60004

Owner

16104 Speaker Ave is owned and occupied by an individual who acquired it in April 2018.

Source: Cass County records, as of December 1, 2025

Owner of Record	Individual Name on File
Mailing Address	16104 SPEAKER AVE, BELTON, MO 64012-1645
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
Aug 1, 2022	Deed of Trust, Mortgage · Line of Credit COMMUNITYAMERICA CU
Aug 31, 2021	Deed of Trust, Mortgage · FHA Mortgage GUILD MORTGAGE CO
Oct 22, 2020	Deed of Trust, Mortgage · FHA Mortgage GUILD MORTGAGE CO
Apr 18, 2018	Warranty Deed, Transfer · FHA Mortgage GUILD MORTGAGE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 18, 2018
Deed Sale	Apr 18, 2018
Deed Document Number	4237/142
Deed Book / Page	4237 / 142
Record Updated	Jun 8, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASS MO
Property Address	16104 SPEAKER AVE, BELTON, MO 64012-1645
Transaction Type	Mortgage
Record Updated	Aug 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0004879/96
Date	Aug 1, 2022
Book Page	4879/96
Instrument	720535

Lender

Name	COMMUNITYAMERICA CU
Type	Credit Union
Address	LENEXA, KS 66219

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Aug 15, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASS MO
Property Address	16104 SPEAKER AVE, BELTON, MO 64012-1645
Transaction Type	Mortgage
Record Updated	Sep 8, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16104 SPEAKER AVE, BELTON, MO 64012-1645

Mortgage

Document Number	4742/1
Date	Aug 31, 2021
Book Page	4742/1
Instrument	699465

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92186

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	321 Months
Due	May 1, 2048

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CASS MO
Property Address	16104 SPEAKER AVE, BELTON, MO 64012-1645
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16104 SPEAKER AVE, BELTON, MO 64012-1645

Mortgage

Document Number	4576/100
Date	Oct 22, 2020
Book Page	4576/100
Instrument	675917

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	331 Months
Due	May 1, 2048

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CASS MO
Recording Date	Apr 18, 2018
Property Address	16104 SPEAKER AVE, BELTON, MO 64012-1645
Document Number	4237/142
Book / Page	4237 / 142
Instrument Date	Apr 17, 2018
Instrument	624520
Transaction Type	Transfer
Record Updated	Nov 12, 2021
Title Company	STEWART TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16104 SPEAKER AVE, BELTON, MO 64012-1645

Mortgage

Document Number	624521
Date	Apr 18, 2018
Instrument	624521

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 16104 Speaker Ave was $6,030.

Source: Cass County assessment roll, as of May 31, 2025

Property Jurisdictions

Type	Name
State	Missouri
County	Cass County
Municipality	Belton City
Unified School District	Belton 124 School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,030.00	$31,740 Land $3,690 Building $28,050	$167,070 Land $19,440 Building $147,630
2023	$2,304.00 (+4,908.7%)	$27,920 (+14.8%) Land $3,360 Building $24,560	$146,920 Land $17,680 Building $129,240
2022	$46.00	$24,320 Land $3,360 Building $20,960
2021			$127,990 Land $17,680 Building $110,310

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

Flood

FEMA maps place 16104 Speaker Ave in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective October 8, 2026

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 16104 Speaker Ave 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 97% of the US · lower than 95% 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	BELTON PWS serves 23,598 people · EPA ID MO1010061
Water Source	Purchased surface water from several systems
Last State Inspection	Mar 2024
Lead	Under 1 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	4 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 349 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	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30

May also be available: Verizon.

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