Clay County property record for 1788 Ray St, Liberty, MO 64068
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 2.5 ba · 1,291 sqft · built 2000 |
| Lot Size | 0.28 acres (12,197 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $3,570 (2025) |
| Deeds & Mortgages | Jul 2019 Mortgage Jun 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 15-409-00-07-049.00 |
| Primary APN | 15-409-00-07-049.00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,291 sqft Living Area |
| Gross Area | 3,042 sqft |
| 1st Floor Area | 1,291 sqft |
| Basement Area | 1,291 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Ranch |
| Exterior Material | Wood Siding |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 12,197 sqft (0.28 acres) |
| Lot Dimensions | 146 ft deep x 94 ft wide |
| Garage Type | Attached |
| Garage Area | 460 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 160 sqft |
| Patio Area | 144 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 1788 RAY ST |
|---|---|
| City | LIBERTY |
| State | MO |
| Zip | 64068-2687 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WHITE TAIL POND 1ST PLAT LT 5 |
| Legal Range | 31W |
| Legal Township | 51N |
| Legal Section | 18 |
| Legal Subdivision | WHITE TAIL POND 1ST |
| Legal Lot Number | 5 |
| Jurisdiction | CLAY MO |
| Township / Civil Division | LIBERTY |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 22301 |
1788 Ray St is owned and occupied by two individuals who acquired it in July 2019.
Source: Clay County records, as of May 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1788 RAY ST, LIBERTY, MO 64068-2687 |
| 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.
| Date | Document |
|---|---|
| Jul 30, 2019 | Deed of Trust, Mortgage · Conventional Mortgage NBH BANK NA |
| Jun 21, 2021 | Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC |
| Jul 15, 2019 | Quit Claim Deed, Transfer MCCAFFREE-SHORT TITLE COMPANY INC, MCCAFFREE-SHORT TITLE CO INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 29, 2011 |
| Deed Sale | Mar 29, 2011 |
| Prior Sale | Mar 3, 2011 |
| Deed Document Number | 20119760 |
| Deed Book / Page | 6598 / 114 |
| Last Transfer Date | Jul 10, 2019 |
| Transfer Doc | 0000019066 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY MO |
| Property Address | 1788 RAY ST, LIBERTY, MO 64068-2687 |
| Transaction Type | Mortgage |
| Record Updated | Nov 25, 2021 |
| Title Company | MCCAFFREE SHORT TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000021032 |
|---|---|
| Date | Jul 30, 2019 |
| Book Page | 8463/092 |
| Instrument | 2019021032 |
| Name | NBH BANK NA |
|---|---|
| Type | Credit Union |
| Address | COLORADO SPRINGS, CO 80918 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY MO |
| Property Address | 1788 RAY ST, LIBERTY, MO 64068-2687 |
| Transaction Type | Mortgage |
| Record Updated | Nov 25, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000026640 |
|---|---|
| Date | Jun 21, 2021 |
| Book Page | 9090/10 |
| Instrument | 2021026640 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | CLAY MO |
| Recording Date | Jul 15, 2019 |
| Property Address | 1788 RAY ST, LIBERTY, MO 64068-2687 |
| Document Number | 0000019066 |
| Book / Page | 008453 / 000027 |
| Instrument Date | Jul 10, 2019 |
| Instrument | 19066 |
| Transaction Type | Transfer |
| Record Updated | Jul 23, 2019 |
| Title Company | MCCAFFREE-SHORT TITLE COMPANY INC, MCCAFFREE-SHORT TITLE CO INC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1788 RAY ST LIBERTY MO 640682687, LIBERTY, MO 64068-2687 |
The 2025 property tax bill for 1788 Ray St was $3,570.
Source: Clay County assessment roll, as of May 27, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | Clay County |
| Municipality | Liberty City |
| Unified School District | Liberty 53 School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,570.00 | $49,690 | $261,526 |
| 2023 | $3,381.00 | $43,240 | $227,578 |
| 2019 | $3,056.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1788 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 risk around 1788 Ray St is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · lower than 78% of Missouri |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 428 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 · DSL · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Wisper ISP Fixed Wireless | 200 / 25 |
| T-Mobile Fixed Wireless | 100 / 20 |
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