321 Choctaw St, Liberty, MO 64068 Property Records

Clay County property record for 321 Choctaw St, Liberty, MO 64068

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,194 sqft · built 1935
Lot Size	0.37 acres (16,117 sqft)
Owner	Individual Name on Record
Tax Bill	$2,247 (2025)
Deeds & Mortgages	Sep 2021 Second Mortgage Nov 2024 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`15-119-00-12-027.00`

Property Details

APN / Parcel Number

Primary APN	`15-119-00-12-027.00`
Alternative APNs	`1511900120270001` `260447`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,194 sqft Living Area
Gross Area	2,544 sqft
1st Floor Area	1,194 sqft
Basement Area	1,194 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1935
Effective Year Built	Effective 1935
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Material	Composition Shingle
Lot Area	16,117 sqft (0.37 acres)
Lot Dimensions	200 ft deep x 80 ft wide
Garage Type	Detached
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces
Porch	Covered Wood Porch

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	321 CHOCTAW ST
City	LIBERTY
State	MO
Zip	64068-2505
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MICHAEL ARTHURS 2ND ADDITION TR A LT 16
Legal Range	31W
Legal Township	51N
Legal Section	08
Legal Subdivision	MICHAEL ARTHURS 2ND ADDITION
Legal Tract	A
Legal Lot Number	16
Jurisdiction	CLAY MO
Township / Civil Division	LIBERTY
Census Block Group	2
Census Block	2015
Census Tract	21403

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	Individual Name on Record
Mailing Address	321 CHOCTAW ST, LIBERTY, MO 64068-2505
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Sep 15, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage LUMINATE HOME LOANS INC
Nov 27, 2024	Warranty Deed, Transfer · Conventional Mortgage NEXA MORTGAGE LLC
Sep 15, 2021	Deed of Trust, Mortgage · FHA Mortgage LUMINATE HOME LOANS INC
Sep 10, 2021	Warranty Deed, Transfer · FHA Mortgage LUMINATE HOME LOANS INC
Feb 26, 2020	Warranty Deed, Transfer · FHA Mortgage FIRST COMMUNITY MORTGAGE INC
Jul 25, 2019	Warranty Deed, Transfer · Line of Credit S&P FINANCIAL SERVICES INC
Jul 3, 2019	Warranty Deed, Transfer ALPHA TITLE GUARANTY INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 27, 2024
Deed Sale	Nov 27, 2024
Prior Sale	Sep 10, 2021
Deed Document Number	202427786
Deed Book / Page	9848 / 55
Record Updated	Sep 20, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MO
Property Address	321 CHOCTAW ST, LIBERTY, MO 64068-2505
Transaction Type	Mortgage
Record Updated	Jan 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000039951
Date	Sep 15, 2021
Book Page	9174/43
Instrument	2021039951

Lender

Name	LUMINATE HOME LOANS INC
Type	Mortgage Company
Address	MINNEAPOLIS, MN 55405

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Oct 1, 2031

November 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY MO
Recording Date	Nov 27, 2024
Property Address	321 CHOCTAW ST, LIBERTY, MO 64068-2505
Document Number	0000027786
Book / Page	9848 / 55
Instrument Date	Nov 26, 2024
Instrument	2024027786
Transaction Type	Transfer
Record Updated	Jan 21, 2026
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE COMPANY LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	321 CHOCTAW ST, LIBERTY, MO 64068-2505

Mortgage

Document Number	0000028109
Date	Nov 27, 2024
Instrument	2024028109

Lender

Name	NEXA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2054

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MO
Property Address	321 CHOCTAW ST, LIBERTY, MO 64068-2505
Transaction Type	Mortgage
Record Updated	Aug 11, 2023
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10391A N CHERRY DR, KANSAS CITY, MO 64155-2053

Mortgage

Document Number	0000039950
Date	Sep 15, 2021
Book Page	9174/42
Instrument	2021039950

Lender

Name	LUMINATE HOME LOANS INC
Type	Mortgage Company
Address	MINNEAPOLIS, MN 55405

Agreement

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

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY MO
Recording Date	Sep 10, 2021
Property Address	321 CHOCTAW ST, LIBERTY, MO 64068-2505
Document Number	0000039283
Book / Page	9170 / 110
Instrument Date	Sep 8, 2021
Instrument	2021039283
Transaction Type	Transfer
Record Updated	Jan 21, 2026
Title Company	AUSTIN TITLE, ATC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	321 CHOCTAW ST, LIBERTY, MO 64068-2505

Mortgage

Document Number	0000039950
Date	Sep 10, 2021
Instrument	2021039950

Lender

Name	LUMINATE HOME LOANS INC
Type	Mortgage Company

Agreement

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

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY MO
Recording Date	Feb 26, 2020
Property Address	321 CHOCTAW ST, LIBERTY, MO 64068-2505
Document Number	0000005971
Book / Page	8614 / 032
Map Reference	MB 56 PG 265
Instrument Date	Feb 24, 2020
Instrument	2020005971
Transaction Type	Transfer
Record Updated	Sep 15, 2021
Title Company	MCCAFFREE-SHORT TITLE COMPANY INC, MCCAFFREE SHORT TITLE CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	321 CHOCTAW ST, LIBERTY, MO 64068-2505
Investor	Possibly a Property Investor

Mortgage

Document Number	0000005994
Date	Feb 26, 2020
Instrument	2020005994

Lender

Name	FIRST COMMUNITY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2050

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY MO
Recording Date	Jul 25, 2019
Property Address	321 CHOCTAW ST, LIBERTY, MO 64068-2505
Document Number	0000020497
Book / Page	8461 / 096
Instrument Date	Jul 19, 2019
Instrument	2019020497
Transaction Type	Transfer
Record Updated	Sep 15, 2021
Title Company	MCCAFFREE-SHORT TITLE COMPANY INC, MCCAFFREE SHORT TITLE CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10917 N HOLLY ST, KANSAS CITY, MO 64155-1083

Mortgage

Document Number	0000020498
Date	Jul 25, 2019
Instrument	2019020498

Lender

Name	S&P FINANCIAL SERVICES INC
Type	Non-Lending Institution

Agreement

Type	Line of Credit
Amount	Amount Recorded

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY MO
Recording Date	Jul 3, 2019
Property Address	321 CHOCTAW ST, LIBERTY, MO 64068-2505
Document Number	0000017963
Book / Page	8446 / 110
Instrument Date	Jul 2, 2019
Instrument	2019017963
Transaction Type	Transfer
Record Updated	Sep 15, 2021
Title Company	ALPHA TITLE GUARANTY INC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1810 NE 79TH CT, KANSAS CITY, MO 64118-1579

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Missouri
County	Clay County
Municipality	Liberty City
Unified School District	Liberty 53 School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,247.00 (-7.53%)	$31,270 (+0.61%)	$164,579 (+0.61%)
2023	$2,430.00 (+49.91%)	$31,080	$163,578
2019	$1,621.00

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 · 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
Flood Insurance Cost	Premium on Record median of 10 policies
Nearby Flood Policies	10 in force

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 99.1% of the US · lower than 98.2% of Missouri
Wildfire Likelihood	Under 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	LIBERTY PWS serves 30,800 people · EPA ID MO1010466
Water Source	Groundwater
Last State Inspection	Oct 2024
Lead	5 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	23 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 294 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Google Fiber Fiber	8,000 / 8,000
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: KC Web, Wisper ISP.

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