Clay County property record for 190 W 4th St, Holt, MO 64048
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,595 sqft · built 1870 |
| Lot Size | 3.06 acres (133,729 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,499 (2025) |
| Deeds & Mortgages | Mar 2023 Line of Credit |
| Flood Zone | Zone AE (high risk) |
| APN | 03-914-00-11-017.00 |
| Primary APN | 03-914-00-11-017.00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,595 sqft Living Area |
| Gross Area | 1,959 sqft |
| 1st Floor Area | 869 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1870 |
|---|---|
| Effective Year Built | Effective 1870 |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Material | Composition Shingle |
| Lot Area | 133,729 sqft |
| Garage Type | Attached |
| Garage Area | 286 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Enclosed Porch |
| Patio Area | 360 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 190 W 4TH ST |
|---|---|
| City | HOLT |
| State | MO |
| Zip | 64048-7110 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BEG MOST SLY COR LT 19 EAST RAILROAD ADDITION, NE156, SELY TO RVR, SWLY ALNG RVR TO EL SHNKS RD, NW ALNG ROW 115, N246.22, E96, N208.7 TO NL FOURTH ST, W60, NW ALNG ROW TO POB |
| Legal Range | 31W |
| Legal Township | 54N |
| Legal Section | 35 |
| Legal Subdivision | EAST RAILROAD ADDITION |
| Legal Lot Number | 19 |
| Jurisdiction | CLAY MO |
| Township / Civil Division | KEARNEY |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 21809 |
190 W 4th St is owned by an individual who acquired it in March 2023.
Source: Clay County records, as of May 27, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | PO BOX 201, HOLT, MO 64048-0201 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 13, 2023 |
| Deed Sale | Mar 13, 2023 |
| Prior Sale | Feb 1, 2005 · Amount on File |
| Deed Document Number | 20234987 |
| Deed Book / Page | 9528 / 99 |
| Prior Transfer Date | Jan 31, 2005 |
| Prior Transfer Doc | 0000004367 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY MO |
| Property Address | 190 W 4TH ST, HOLT, MO 64048-7110 |
| Transaction Type | Mortgage |
| Record Updated | Mar 20, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000004988 |
|---|---|
| Date | Mar 13, 2023 |
| Book Page | 9528/100 |
| Instrument | 2023004988 |
| Name | UNION STATE BANK |
|---|---|
| Type | Bank |
| Address | KANSAS CITY, MO 64158 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Mar 10, 2024 |
The 2025 property tax bill for 190 W 4th St was $1,499.
Source: Clay County assessment roll, as of May 27, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | Clay County |
| Municipality | Holt City |
| Unified School District | Kearney R-I School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,499.00 | $21,930 | $115,421 |
| 2023 | $1,356.00 | $19,840 | $104,421 |
| 2019 | $1,250.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 190 W 4th St in Zone AE, a high-risk flood area within the regulatory floodway; flood insurance is required for federally backed loans.
Source: FEMA National Flood Hazard Layer, effective May 10, 2018 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | Yes |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Nearby Flood Policies | 4 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 190 W 4th St is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 94% of Missouri |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
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 | CLAY COUNTY PWSD 3 serves 3,447 people · EPA ID MO1024143 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Feb 2024 |
| Lead | 2 ppb (2023–2025) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 138 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| United Fiber Fiber | 1,000 / 1,000 |
| Spectrum Fiber | 1,000 / 1,000 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: Verizon.
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