17580 Smith Mill Rd, Smithville, MO 64089 Property Records

Clay County property record for 17580 Smith Mill Rd, Smithville, MO 64089

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 1,658 sqft · built 2019
Lot Size	3.06 acres (133,729 sqft)
Owner	2 Individual Names on Record
Last Sale	$684,000 (Sep 2019)
Tax Bill	$7,467 (2025)
Deeds & Mortgages	Oct 2026 Transfer Sep 2025 Line of Credit + 6 more
Flood Zone	Zone X (minimal risk)
APN	`05-502-00-04-001.00`

Property Details

APN / Parcel Number

Primary APN	`05-502-00-04-001.00`
Alternative APNs	`5502000400100` `327478`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,658 sqft Living Area
1st Floor Area	1,658 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Stucco
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	133,729 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	17580 SMITH MILL RD
City	SMITHVILLE
State	MO
Zip	64089-4513
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BLUFFS OF WHISKEY RIDGE LT 1
Legal Range	33W
Legal Township	53N
Legal Section	15
Legal Subdivision	BLUFFS OF WHISKEY RIDGE
Legal Lot Number	1
Jurisdiction	CLAY MO
Township / Civil Division	PLATTE
Census Block Group	1
Census Block	1015
Census Tract	22000

Owner

Source: Clay County records, as of October 9, 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	17580 SMITH MILL RD, SMITHVILLE, MO 64089-4513
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 2, 2026	Transfer on Death Deed, Transfer NONE LISTED ON DOCUMENT
Sep 30, 2025	Deed of Trust, Mortgage · Line of Credit SUNFLOWER BANK NA
Apr 1, 2022	Deed of Trust, Mortgage · Line of Credit THE NODAWAY VALLEY BANK
May 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN MORTGAGE CO INC
Sep 12, 2019	Warranty Deed, Transfer · ARM GUARDIAN MORTGAGE CO INC
Feb 5, 2019	Trustee's Deed, Construction Loan · Line of Credit PLATTE VLY BK/MO
Jan 25, 2019	Warranty Deed, Transfer OTHER
Jan 19, 2018	Warranty Deed, Transfer · Line of Credit PLATTE VLY BK/MO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 12, 2019 · Amount on Record
Deed Sale	Sep 12, 2019 · Amount on Record
Prior Sale	Jan 19, 2018 · Amount on Record
Deed Document Number	201926494
Deed Book / Page	8497 / 103
Last Transfer Date	Sep 14, 2026
Transfer Doc	0000027369
Record Updated	Oct 29, 2026

October 2026: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	CLAY MO
Recording Date	Oct 2, 2026
Property Address	17580 SMITH MILL RD, SMITHVILLE, MO 64089-4513
Document Number	0000027369
Book / Page	10263 / 139
Instrument Date	Sep 14, 2026
Instrument	202627369
Transaction Type	Transfer
Record Updated	Oct 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	17580 SMITH MILL RD, SMITHVILLE, MO 64089-4513

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MO
Property Address	17580 SMITH MILL RD, SMITHVILLE, MO 64089-4513
Transaction Type	Mortgage
Record Updated	Oct 9, 2025
Title Company	DRI TITLE AND ESCROW, DRI TITLE & ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	17580 SMITH MILL RD, SMITHVILLE, MO 64089-4513

Mortgage

Document Number	0000025109
Date	Sep 30, 2025
Book Page	10021/158
Instrument	2025025109

Lender

Name	SUNFLOWER BANK NA
Type	Bank
Address	RICHARDSON, TX 75083

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	301 Months
Due	Oct 1, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MO
Property Address	17580 SMITH MILL RD, SMITHVILLE, MO 64089-4513
Transaction Type	Mortgage
Record Updated	Apr 7, 2022
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	17580 SMITH MILL RD, SMITHVILLE, MO 64089-4513

Mortgage

Document Number	0000010732
Date	Apr 1, 2022
Book Page	9335/74
Instrument	2022010732

Lender

Name	THE NODAWAY VALLEY BANK
Type	Bank
Address	SMITHVILLE, MO 64089

Agreement

Type	Line of Credit
Amount	Amount Recorded

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MO
Property Address	17580 SMITH MILL RD, SMITHVILLE, MO 64089-4513
Transaction Type	Mortgage
Record Updated	Nov 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000023347
Date	May 28, 2021
Book Page	9070/13
Instrument	2021023347

Lender

Name	GUARDIAN MORTGAGE CO INC
Type	Mortgage Company
Address	RICHARDSON, TX 75083

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY MO
Recording Date	Sep 12, 2019
Property Address	17580 SMITH MILL RD, SMITHVILLE, MO 64089-4513
Document Number	0000026494
Book / Page	8497 / 103
Instrument Date	Sep 6, 2019
Instrument	2019026494
Transaction Type	Transfer
Record Updated	Nov 25, 2021
Title Company	SECURED TTL OF KS CITY NORTH

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	17580 SMITH MILL RD, SMITHVILLE, MO 64089-4513

Mortgage

Document Number	0000026495
Date	Sep 12, 2019
Instrument	2019026495

Lender

Name	GUARDIAN MORTGAGE CO INC
Type	Mortgage Company

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4%
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 1, 2034
Change Frequency	Annually
Min Rate At Change	2.05%
Max Rate At Change	9%
Index	1-Year LIBOR
Max Rate	9%

February 2019: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	CLAY MO
Recording Date	Feb 5, 2019
Property Address	17580 SMITH MILL RD, SMITHVILLE, MO 64089-4513
Book / Page	008359 / 000147
Instrument Date	Feb 1, 2019
Instrument	2868
Transaction Type	Construction Loan
Record Updated	Feb 11, 2019
Title Company	SECURED TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	8143 CLEARWATER DR PARKVILLE MO 641522575, PARKVILLE, MO 64152-2575

Mortgage

Document Number	0000002868
Date	Feb 5, 2019
Book Page	008359/000147
Instrument	2868

Lender

Name	PLATTE VLY BK/MO
Type	Bank
Address	PLATTE CITY, MO 64079

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY MO
Recording Date	Jan 25, 2019
Property Address	17580 SMITH MILL RD, SMITHVILLE, MO 64089-4513
Document Number	0000001979
Book / Page	008354 / 000176
Instrument Date	Jan 25, 2019
Instrument	1979
Transaction Type	Transfer
Record Updated	Feb 5, 2019
Title Company	OTHER

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	8143 CLEARWATER DR KANSAS CITY MO 641522575, KANSAS CITY, MO 64152-2575

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY MO
Recording Date	Jan 19, 2018
Property Address	17580 SMITH MILL RD, SMITHVILLE, MO 64089-4513
Document Number	0000001829
Book / Page	008127 / 000086
Instrument Date	Jan 16, 2018
Instrument	1829
Transaction Type	Transfer
Record Updated	Jan 30, 2018
Title Company	STEWART TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	403 N US HIGHWAY 169 SMITHVILLE MO 640899523, SMITHVILLE, MO 64089-9523

Mortgage

Document Number	1830
Date	Jan 19, 2018
Book Page	008127/000087
Instrument	1830

Lender

Name	PLATTE VLY BK/MO
Type	Bank
Address	PLATTE CITY, MO 64079

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jan 18, 2028

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,467.00 (+14.03%)	$104,920 (+10.64%)	$552,211 (+10.64%)
2023	$6,548.00 (+241.58%)	$94,830	$499,105
2019	$1,917.00

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

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
Flood Insurance Cost	Premium on Record median of 21 policies
Nearby Flood Policies	21 in force
Nearby Flood Claims	33 (1981–2016)
Claims Outside the SFHA	12 of 33
Most Recent Claim	May 2016 · rainfall accumulation
Claims by Event	Severe Storms, Flooding And Tornadoes, Oct 1998 · 3 claims

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	Moderate above 44% of the US · above 49% of Missouri
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation

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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 11 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
United Fiber Fiber	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30
Verizon Fixed Wireless	300 / 20

May also be available: AT&T.

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