1903 Joe Ln, Kearney, MO 64060 Property Records

Clay County property record for 1903 Joe Ln, Kearney, MO 64060

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,587 sqft · built 2006
Lot Size	0.31 acres (13,504 sqft)
Owner	2 Individual Names on File
Last Sale	$333,200 (Mar 2022)
Tax Bill	$4,469 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Sep 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-809-00-03-014.00`

Property Details

APN / Parcel Number

Primary APN	`07-809-00-03-014.00`
Alternative APNs	`0780900030140001` `7809000301400` `315268`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	14 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,587 sqft Living Area
Gross Area	3,803 sqft
1st Floor Area	1,587 sqft
Basement Area	1,470 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Ranch
Exterior Material	Stucco
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	13,504 sqft (0.31 acres)
Garage Type	Attached
Garage Area	702 sqft
Parking Spaces	3 Parking Spaces
Porch	Covered Wood Porch
Deck Area	308 sqft
Patio Area	208 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1903 JOE LN
City	KEARNEY
State	MO
Zip	64060-7685
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OAKWOOD ESTATES 1ST PLAT LT 63
Legal Range	31W
Legal Township	53N
Legal Section	28
Legal Subdivision	OAKWOOD ESTATES 1ST
Legal Lot Number	63
Jurisdiction	CLAY MO
Township / Civil Division	KEARNEY
Census Block Group	1
Census Block	1028
Census Tract	21809

Owner

1903 Joe Ln is owned and occupied by two individuals who bought it in March 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	1903 JOE LN, KEARNEY, MO 64060-7685
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

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
Mar 7, 2022	Warranty Deed, Transfer · VA Mortgage WELLS FARGO BANK NA
Sep 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage PNC BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 7, 2022 · Amount on File
Deed Sale	Mar 7, 2022 · Amount on File
Prior Sale	Jun 2, 2016
Deed Document Number	20227738
Deed Book / Page	9317 / 175
Prior Transfer Date	Dec 13, 2018
Prior Transfer Doc	0000040740
Record Updated	Oct 29, 2026

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY MO
Recording Date	Mar 7, 2022
Property Address	1903 JOE LN, KEARNEY, MO 64060-7685
Document Number	0000007738
Book / Page	9317 / 175
Instrument Date	Mar 4, 2022
Instrument	2022007738
Transaction Type	Transfer
Record Updated	Mar 11, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1903 JOE LN, KEARNEY, MO 64060-7685

Mortgage

Document Number	0000007739
Date	Mar 7, 2022
Instrument	2022007739

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MO
Property Address	1903 JOE LN, KEARNEY, MO 64060-7685
Transaction Type	Mortgage
Record Updated	Nov 25, 2021
Title Company	NATIONALLINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000032368
Date	Sep 4, 2020
Book Page	8791/17
Instrument	2020032368

Lender

Name	PNC BANK NA
Type	Bank
Address	MIAMISBURG, OH 45342

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Oct 1, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 1903 Joe Ln was $4,469.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,469.00	$68,310	$359,526
2023	$4,060.00	$59,450	$312,894
2019	$3,800.00

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

FEMA maps place 1903 Joe Ln 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	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

Wildfire risk around 1903 Joe Ln is moderate, ranking above 44% of the US, with a 0.08% annual chance of 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	0.08% 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	CLAY COUNTY PWSD 6 serves 4,912 people · EPA ID MO1024146
Water Source	Purchased surface water from several systems
Last State Inspection	Jan 2024
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 165 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
United Fiber Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Brightspeed, Intercept Fiber, Verizon, Wisper ISP.

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