232 Cliff Dr, Excelsior Springs, MO 64024 Property Records

Clay County property record for 232 Cliff Dr, Excelsior Springs, MO 64024

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,008 sqft · built 1960
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on Record
Last Sale	$199,580 (Aug 2025)
Tax Bill	$1,703 (2025)
Deeds & Mortgages	Aug 2025 Mortgage Apr 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`12-311-00-13-004.00`

Property Details

APN / Parcel Number

Primary APN	`12-311-00-13-004.00`
Alternative APNs	`1231100130040001` `314024`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,008 sqft Living Area
Gross Area	2,016 sqft
1st Floor Area	1,008 sqft
Basement Area	1,008 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	10,890 sqft (0.25 acres)
Lot Dimensions	120 ft deep x 100 ft wide
Garage Type	Basement
Parking Spaces	1 Parking Space
Deck Area	168 sqft
Patio Area	288 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	232 CLIFF DR
City	EXCELSIOR SPRINGS
State	MO
Zip	64024-2178
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUNNYSIDE BLKS 1-4 LTS 8 & 9 BLK 3
Legal Range	30W
Legal Township	52N
Legal Section	01
Legal Subdivision	SUNNYSIDE
Legal Block	1-4,3
Legal Lot Number	8,9
Jurisdiction	CLAY MO
Township / Civil Division	FISHING RIVER
Census Block Group	3
Census Block	3039
Census Tract	21703

Owner

Source: Clay County records, as of May 27, 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 Record
Mailing Address	232 CLIFF DR, EXCELSIOR SPRINGS, MO 64024-2178
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Aug 13, 2025	Warranty Deed, Transfer · FHA Mortgage WATERSTONE MORTGAGE CORP
Apr 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage HOMEBRIDGE FINANCIAL SERVICES INC
Aug 17, 2020	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 13, 2025 · Amount on Record
Deed Sale	Aug 13, 2025 · Amount on Record
Prior Sale	Mar 22, 2021
Deed Document Number	202520396
Deed Book / Page	9992 / 7
Prior Transfer Date	Aug 12, 2020
Prior Transfer Doc	0000029171
Record Updated	Oct 29, 2026

August 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY MO
Recording Date	Aug 13, 2025
Property Address	232 CLIFF DR, EXCELSIOR SPRINGS, MO 64024-2178
Document Number	0000020396
Book / Page	9992 / 7
Instrument Date	Aug 12, 2025
Instrument	2025020396
Transaction Type	Transfer
Record Updated	Sep 30, 2025
Title Company	ALLIANCE TITLE COMPANY, ALLIANCE TITLE COMPANY LLC

Transaction

Tax	$0.00
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	232 CLIFF DR, EXCELSIOR SPRINGS, MO 64024-2178

Mortgage

Document Number	0000020642
Date	Aug 13, 2025
Instrument	2025020642

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2055

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MO
Property Address	232 CLIFF DR, EXCELSIOR SPRINGS, MO 64024-2178
Transaction Type	Mortgage
Record Updated	Nov 25, 2021
Title Company	STEWART

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000013859
Date	Apr 1, 2021
Book Page	9011/27
Instrument	2021013859

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Mortgage Company
Address	ISELIN, NJ 08830

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2051

August 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CLAY MO
Recording Date	Aug 17, 2020
Property Address	232 CLIFF DR, EXCELSIOR SPRINGS, MO 64024-2178
Document Number	0000029171
Book / Page	008770 / 000016
Instrument Date	Aug 12, 2020
Instrument	29171
Transaction Type	Transfer
Record Updated	Sep 11, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	232 CLIFF DR EXCELSIOR SPRINGS MO 640242178, EXCELSIOR SPRINGS, MO 64024-2178

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Missouri
County	Clay County
Municipality	Excelsior Springs City
Unified School District	Excelsior Springs 40 School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,703.00 (+14.3%)	$24,570 (+14.92%)	$129,316 (+14.92%)
2023	$1,490.00 (+11.28%)	$21,380	$112,526
2019	$1,339.00

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

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
Nearby Flood Claims	3 (1993–1998)
Most Recent Claim	Oct 1998 · Severe Storms, Flooding And Tornadoes

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 64% of the US · lower than 73% of Missouri
Wildfire Likelihood	0.02% 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	EXCELSIOR SPRINGS PWS serves 11,084 people · EPA ID MO1010261
Water Source	Groundwater
Last State Inspection	Dec 2022
Lead	Under 1 ppb (2021–2023) 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, 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 277 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
United Fiber Fiber	1,000 / 1,000
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
Wisper ISP Fixed Wireless	400 / 30
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Mercury Fiber.

Nearby Properties on Cliff Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures