1908 Lake Dr, Smithville, MO 64089 Property Records

Clay County property record for 1908 Lake Dr, Smithville, MO 64089

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,223 sqft · built 2006
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on File
Last Sale	$490,352 (Mar 2023)
Tax Bill	$4,132 (2025)
Deeds & Mortgages	Mar 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-916-00-01-039.00`

Property Details

APN / Parcel Number

Primary APN	`01-916-00-01-039.00`
Alternative APNs	`0191600010390001` `1916000103900` `258048`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	13 Plumbing Fixtures
Total Rooms	5 Rooms
Building Area	2,223 sqft Living Area
Gross Area	3,456 sqft
1st Floor Area	1,593 sqft
Basement Area	420 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Split Level
Exterior Material	Wood Siding
Roof Material	Composition Shingle
Lot Area	10,019 sqft (0.23 acres)
Lot Dimensions	1.4 ft deep x 0.8 ft wide
Garage Type	Attached
Garage Area	813 sqft
Parking Spaces	3 Parking Spaces
Deck Area	100 sqft
Patio Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	1908 LAKE DR
City	SMITHVILLE
State	MO
Zip	64089-7801
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HARBOR LAKE 3RD PLAT LT 63
Legal Range	33W
Legal Township	54N
Legal Section	36
Legal Subdivision	HARBOR LAKE 3RD
Legal Lot Number	63
Jurisdiction	CLAY MO
Township / Civil Division	PLATTE
Census Block Group	1
Census Block	1011
Census Tract	21900

Owner

Source: Clay County records · APN 01-916-00-01-039.00

Assessment roll updated May 27, 2026 · Last verified June 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 File
Mailing Address	1908 LAKE DR, SMITHVILLE, MO 64089-7801
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 14, 2023 · Amount on Record
Deed Sale	Mar 14, 2023 · Amount on Record
Prior Sale	Dec 27, 2016
Deed Document Number	20235084
Deed Book / Page	9529 / 3
Record Updated	Sep 20, 2026

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY MO
Recording Date	Mar 14, 2023
Property Address	1908 LAKE DR, SMITHVILLE, MO 64089-7801
Document Number	0000005084
Book / Page	9529 / 3
Instrument Date	Mar 09, 2023
Instrument	2023005084
Transaction Type	Transfer
Record Updated	Mar 21, 2023
Title Company	PLATINUM TITLE LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1908 LAKE DR, SMITHVILLE, MO 64089-7801

Mortgage

Document Number	0000005085
Date	Mar 14, 2023
Instrument	2023005085

Lender

Name	UMB BANK NA
Type	Bank

Agreement

Type	USDA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2053

Tax Assessment & Valuation

Source: Clay County records · Assessment roll updated May 27, 2026 · Last verified June 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

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,132.00 (+12.93%)	$58,060 (+9.57%)	$305,579 (+9.57%)
2023	$3,659.00 (+12.45%)	$52,990 (+16.74%)	$278,894 (+16.74%)
2022	$3,254.00 (+5.07%)	$45,390
2021			$238,894
2019	$3,097.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of May 10, 2018 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force

Wildfire

Wildfire Risk	Low lower than 62% of the US · lower than 69% of Missouri
Wildfire Likelihood	0.06% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
United Electric Cooperative Fiber	1,000 / 1,000
Spectrum Cable	1,000 / 35
Wisper ISP Fixed Wireless	400 / 30
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

Based on FCC filings for 130 locations within half a mile of this property.

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