Clay County property record for 401 Liberty St, Smithville, MO 64089
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,574 sqft · built 1920 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $275,576 (Jan 2024) |
| Tax Bill | $2,604 (2025) |
| Deeds & Mortgages | Jan 2024 Line of Credit Jul 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-617-00-17-005.00 |
| Primary APN | 05-617-00-17-005.00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,574 sqft Living Area |
| Gross Area | 2,332 sqft |
| 1st Floor Area | 1,574 sqft |
| Basement Area | 630 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Raised Ranch |
| Exterior Material | Aluminum/Vinyl |
| Roof Material | Composition Shingle |
| Lot Area | 10,019 sqft (0.23 acres) |
| Lot Dimensions | 154 ft deep x 70 ft wide |
| Garage Type | Detached |
| Garage Area | 1,076 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Covered Wood Porch |
| Patio Area | 225 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 401 LIBERTY ST |
|---|---|
| City | SMITHVILLE |
| State | MO |
| Zip | 64089-8908 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BEG SE COR E WOODS ST & LIBERTY ST, E154, S70.5, W126.13, NW75 TO POB |
| Legal Range | 33W |
| Legal Township | 53N |
| Legal Section | 23 |
| Legal Subdivision | ST & LIBERTY |
| Jurisdiction | CLAY MO |
| Township / Civil Division | PLATTE |
| Census Block Group | 3 |
| Census Block | 3024 |
| Census Tract | 22000 |
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 | 401 LIBERTY ST, SMITHVILLE, MO 64089-8908 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Jan 24, 2024 | Warranty Deed, Transfer · Line of Credit THE NODAWAY VALLEY BANK |
| Jul 2, 2021 | Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 24, 2024 · Amount on Record |
| Deed Sale | Jan 24, 2024 · Amount on Record |
| Prior Sale | Mar 4, 2014 · Amount on Record |
| Deed Document Number | 20241512 |
| Deed Book / Page | 9683 / 124 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY MO |
| Recording Date | Jan 24, 2024 |
| Property Address | 401 LIBERTY ST, SMITHVILLE, MO 64089-8908 |
| Document Number | 0000001512 |
| Book / Page | 9683 / 124 |
| Instrument Date | Jan 19, 2024 |
| Instrument | 2024001512 |
| Transaction Type | Transfer |
| Record Updated | Jan 31, 2024 |
| Title Company | LAKESIDE TITLE, LAKESIDE TITLE LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 401 LIBERTY ST, SMITHVILLE, MO 64089-8908 |
| Document Number | 0000001513 |
|---|---|
| Date | Jan 24, 2024 |
| Instrument | 2024001513 |
| Name | THE NODAWAY VALLEY BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY MO |
| Property Address | 401 LIBERTY ST, SMITHVILLE, MO 64089-8908 |
| Transaction Type | Mortgage |
| Record Updated | Nov 25, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000028650 |
|---|---|
| Date | Jul 2, 2021 |
| Book Page | 9102/72 |
| Instrument | 2021028650 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 324 Months |
| Due | Jul 1, 2048 |
Source: Clay County assessment roll, as of May 27, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | Clay County |
| Municipality | Smithville City |
| Unified School District | Smithville R-II School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,604.00 (+26.35%) | $36,590 (+22.58%) | $192,579 (+22.58%) |
| 2023 | $2,061.00 (+32.63%) | $29,850 | $157,105 |
| 2019 | $1,554.00 |
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.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.8% of the US · lower than 99.6% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 310 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 · Fiber in parts of the area | 1,000 / 1,000 |
| Wisper ISP Fixed Wireless | 400 / 30 |
| Verizon Fixed Wireless | 300 / 20 |
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