306 E 20th Ter, Kearney, MO 64060 Property Records

Clay County property record for 306 E 20th Ter, Kearney, MO 64060

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,625 sqft · built 1998
Lot Size	0.3 acres (13,068 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,672 (2025)
Deeds & Mortgages	Oct 2022 Line of Credit Sep 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`11-305-00-01-017.00`

Property Details

APN / Parcel Number

Primary APN	`11-305-00-01-017.00`
Alternative APNs	`1130500010170001` `245030`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,625 sqft Living Area
Gross Area	3,708 sqft
1st Floor Area	1,625 sqft
Basement Area	1,536 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Ranch
Exterior Material	Wood Siding
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	13,068 sqft (0.3 acres)
Lot Dimensions	140 ft deep x 102 ft wide
Garage Type	Attached
Garage Area	498 sqft
Parking Spaces	2 Parking Spaces
Porch	Covered Wood Porch
Deck Area	82 sqft
Patio Area	168 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	306 E 20TH TER
City	KEARNEY
State	MO
Zip	64060-8780
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WHITE GATES 4TH PLAT LT 133
Legal Range	31W
Legal Township	52N
Legal Section	02
Legal Subdivision	WHITE GATES 04
Legal Lot Number	133
Jurisdiction	CLAY MO
Township / Civil Division	KEARNEY
Census Block Group	1
Census Block	1006
Census Tract	21811

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	306 E 20TH TER, KEARNEY, MO 64060-8780
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 13, 2022	Deed of Trust, Mortgage · Line of Credit FLAGSTAR BANK FSB
Sep 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage FLAT BRANCH HOME LOANS INC
Aug 19, 2019	Warranty Deed, Transfer STEWART TITLE COMPANY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 19, 2019
Deed Sale	Aug 19, 2019
Prior Sale	Nov 24, 2009 · Amount on Record
Deed Document Number	201923330
Deed Book / Page	8478 / 127
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MO
Property Address	306 E 20TH TER, KEARNEY, MO 64060-8780
Transaction Type	Mortgage
Record Updated	Oct 18, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000033531
Date	Oct 13, 2022
Book Page	9464/98
Instrument	2022033531

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	4809

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MO
Property Address	306 E 20TH TER, KEARNEY, MO 64060-8780
Transaction Type	Mortgage
Record Updated	Aug 16, 2022
Title Company	SECURITY FIRST TITLE, SECURITY 1ST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	306 E 20TH TER, KEARNEY, MO 64060-8780

Mortgage

Document Number	0000041573
Date	Sep 24, 2021
Book Page	9184/4
Instrument	2021041573

Lender

Name	FLAT BRANCH HOME LOANS INC
Type	Mortgage Company
Address	COLUMBIA, MO 65201

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY MO
Recording Date	Aug 19, 2019
Property Address	306 E 20TH TER, KEARNEY, MO 64060-8780
Document Number	0000023330
Book / Page	8478 / 127
Instrument Date	Aug 16, 2019
Instrument	2019023330
Transaction Type	Transfer
Record Updated	Aug 16, 2022
Title Company	STEWART TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	306 E 20TH TER, KEARNEY, MO 64060-8780

Tax Assessment & Valuation

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	$3,672.00 (+9.09%)	$56,130 (+13.88%)	$295,421 (+13.88%)
2023	$3,366.00 (+20.39%)	$49,290	$259,421
2019	$2,796.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective May 10, 2018

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 97% of the US · lower than 95% of Missouri
Wildfire Likelihood	0.01% 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	KEARNEY PWS serves 11,500 people · EPA ID MO1010416
Water Source	Purchased surface water from KANSAS CITY PWS
Last State Inspection	May 2023
Lead	Under 1 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 199 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Intercept Fiber Fiber · Fixed Wireless in parts of the area	1,000 / 1,000

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

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