305 W Summit St, Smithville, MO 64089 Property Records

Clay County property record for 305 W Summit St, Smithville, MO 64089

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 944 sqft · built 1912
Lot Size	0.5 acres (21,780 sqft)
Owner	2 Individual Names on File
Last Sale	$151,500 (Oct 2026)
Tax Bill	$1,412 (2025)
Deeds & Mortgages	Oct 2026 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`05-905-00-03-003.00`

Property Details

APN / Parcel Number

Primary APN	`05-905-00-03-003.00`
Alternative APNs	`0590500030030001` `5905000300300` `287545`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	944 sqft Living Area
Gross Area	998 sqft
1st Floor Area	944 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1912
Effective Year Built	Effective 1912
Architectural Style	Ranch
Exterior Material	Wood Siding
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	21,780 sqft (0.5 acres)
Lot Dimensions	352 ft deep x 70 ft wide
Garage Type	Detached
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Deck Area	192 sqft
Patio Area	192 sqft
Shed	1 Shed
Shed Area	667 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	305 W SUMMIT ST
City	SMITHVILLE
State	MO
Zip	64089-9387
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BEG 120E OF NW COR SEC, E70, S352.5, W60, N232.5, W10, N120 TO POB
Legal Range	33W
Legal Township	53N
Legal Section	26
Jurisdiction	CLAY MO
Township / Civil Division	PLATTE
Census Block Group	3
Census Block	3017
Census Tract	22000

Owner

305 W Summit St is owned and occupied by two individuals who bought it in October 2026.

Source: Clay County records, as of October 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	305 W SUMMIT ST, SMITHVILLE, MO 64089-9387
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 1, 2026 · Amount on File
Deed Sale	Oct 1, 2026 · Amount on File
Prior Sale	Aug 3, 2006
Deed Document Number	202627164
Deed Book / Page	10262 / 97
Prior Transfer Date	Dec 16, 2014
Prior Transfer Doc	0000036624
Record Updated	Oct 29, 2026

October 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY MO
Recording Date	Oct 1, 2026
Property Address	305 W SUMMIT ST, SMITHVILLE, MO 64089-9387
Document Number	0000027164
Book / Page	10262 / 97
Instrument Date	Sep 30, 2026
Instrument	202627164
Transaction Type	Transfer
Record Updated	Oct 23, 2026
Title Company	LAKESIDE TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	305 W SUMMIT ST, SMITHVILLE, MO 64089-9387

Mortgage

Document Number	0000027165,
Date	Oct 1, 2026
Book Page	10262/98
Instrument	202627165

Lender

Name	EJ INVS LLC
Special Notes	Seller Financed

Agreement

Type	Seller Carry-Back
Amount	Amount on Record
Term	60 Months
Due	Nov 1, 2031

Interest

Rate	5%
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 305 W Summit St was $1,412.

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,412.00	$19,840	$104,421
2023	$1,217.00	$17,630	$92,789
2019	$856.00

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 305 W Summit St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2017.

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	6 in force
Nearby Flood Claims	1 (2017)
Most Recent Claim	Aug 2017 · other causes

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 305 W Summit St is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 84% of Missouri
Wildfire Likelihood	0.03% annual chance
Exposure	None beyond ember reach

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	SMITHVILLE PWS serves 10,885 people · EPA ID MO1010748
Water Source	Surface water
Last State Inspection	Oct 2024
Lead	3 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 81 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
United Fiber Fiber	1,000 / 1,000
Spectrum Cable	1,000 / 1,000
Wisper ISP Fixed Wireless	400 / 30
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20