20005 Cole Rd, Kearney, MO 64060 Property Records

Clay County property record for 20005 Cole Rd, Kearney, MO 64060

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,144 sqft · built 1978
Lot Size	3.18 acres (138,521 sqft)
Owner	2 Individual Names on File
Tax Bill	$4,772 (2025)
Deeds & Mortgages	Mar 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`07-604-00-02-012.00`

Property Details

APN / Parcel Number

Primary APN	`07-604-00-02-012.00`
Alternative APNs	`0760400020120001` `7604000201200` `278293`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,144 sqft Living Area
Gross Area	3,939 sqft
1st Floor Area	2,144 sqft
Basement Area	1,171 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Split Level
Exterior Material	Wood Siding
Roof Material	Composition Shingle
Lot Area	138,521 sqft
Lot Dimensions	437 ft deep x 125 ft wide
Garage Type	Attached
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	640 sqft
Deck Area	274 sqft
Patio Area	400 sqft
Shed	1 Shed
Shed Area	520 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	20005 COLE RD
City	KEARNEY
State	MO
Zip	64060-9379
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUMMERSETT LT 24
Legal Range	31W
Legal Township	53N
Legal Section	24
Legal Subdivision	SUMMERSETT
Legal Lot Number	24
Jurisdiction	CLAY MO
Township / Civil Division	KEARNEY
Census Block Group	2
Census Block	2040
Census Tract	21806

Owner

Source: Clay County records · APN 07-604-00-02-012.00

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	20005 COLE RD, KEARNEY, MO 64060-9379
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 22, 2008
Deed Sale	Jul 22, 2008
Prior Sale	Jul 07, 2006 · Amount on Record
Deed Document Number	200825372
Deed Book / Page	6013 / 202
Prior Transfer Date	Oct 26, 2005
Prior Transfer Doc	0000055350
Record Updated	Sep 20, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MO
Property Address	20005 COLE RD, KEARNEY, MO 64060-9379
Document Number	0000008137
Instrument Date	Mar 11, 2020
Transaction Type	Mortgage
Record Updated	May 25, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	20005 COLE RD KEARNEY MO 640609379, KEARNEY, MO 64060-9379

Mortgage

Document Number	0000008137
Date	Mar 17, 2020
Book Page	008628/000052
Instrument	8137

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Amount	Amount Recorded
Term	276 Months
Due	Mar 16, 2043

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
Unified School District	Kearney R-I School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,772.00 (+10.11%)	$79,000 (+14.89%)	$415,789 (+14.89%)
2023	$4,334.00 (+7.84%)	$68,760	$361,894
2019	$4,019.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Clay County (29047C), as of May 10, 2018 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 290470218062, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · 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	Moderate above 44% of the US · above 49% of Missouri
Wildfire Likelihood	0.08% 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

May also be available: Verizon, Wisper ISP.

Based on FCC filings for 10 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

Drinking Water

Source: EPA Safe Drinking Water Information System, water system MO1024149, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	CLAY COUNTY PWSD 8 serves 2,243 people
Water Source	Purchased surface water from several systems
Last State Inspection	Jan 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.