404 Locust St, Liberty, MO 64068 Property Records

Clay County property record for 404 Locust St, Liberty, MO 64068

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,579 sqft · built 1986
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on Record
Last Sale	$178,000 (Feb 2003)
Tax Bill	$3,421 (2025)
Deeds & Mortgages	Nov 2017 Mortgage Nov 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`14-316-00-02-040.00`

Property Details

APN / Parcel Number

Primary APN	`14-316-00-02-040.00`
Alternative APNs	`1431600020400001` `244157`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	12 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,579 sqft Living Area
Gross Area	3,163 sqft
1st Floor Area	1,579 sqft
Basement Area	930 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Raised Ranch
Exterior Material	Wood Siding
Roof Material	Composition Shingle
Lot Area	10,019 sqft (0.23 acres)
Lot Dimensions	134 ft deep x 89 ft wide
Garage Type	Attached
Garage Area	594 sqft
Parking Spaces	2 Parking Spaces
Porch	Covered Wood Porch
Deck Area	108 sqft
Patio Area	108 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	404 LOCUST ST
City	LIBERTY
State	MO
Zip	64068-1062
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NOTTINGHAM 2ND PLAT LT 22
Legal Range	32W
Legal Township	51N
Legal Section	12
Legal Subdivision	NOTTINGHAM 02
Legal Lot Number	22
Jurisdiction	CLAY MO
Township / Civil Division	LIBERTY
Census Block Group	3
Census Block	3011
Census Tract	21404

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	404 LOCUST ST, LIBERTY, MO 64068-1062
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 22, 2017	Deed of Trust, Mortgage · Commercial Mortgage COMMERCE BANK
Nov 21, 2017	Deed of Trust, Mortgage · Commercial Mortgage COMMERCE BANK
May 20, 2020	Deed of Trust, Mortgage · Line of Credit COMMERCE BANK
Sep 25, 2020	Deed of Trust, Mortgage · Conventional Mortgage FLAT BRANCH HOME LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 28, 2003 · Amount on Record
Deed Sale	Feb 28, 2003 · Amount on Record
Deed Document Number	200372137
Deed Book / Page	4003 / 957
Record Updated	Sep 20, 2026

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MO
Property Address	404 LOCUST ST, LIBERTY, MO 64068-1062
Transaction Type	Mortgage
Record Updated	Nov 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000039988
Date	Nov 22, 2017
Book Page	8095/036
Instrument	2017039988

Lender

Name	COMMERCE BANK
Type	Bank
Address	LEES SUMMIT, MO 64063

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MO
Property Address	404 LOCUST ST, LIBERTY, MO 64068-1062
Transaction Type	Mortgage
Record Updated	Nov 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000039633
Date	Nov 21, 2017
Book Page	8092/137
Instrument	2017039633

Lender

Name	COMMERCE BANK
Type	Bank
Address	LEES SUMMIT, MO 64063

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MO
Property Address	404 LOCUST ST, LIBERTY, MO 64068-1062
Transaction Type	Mortgage
Record Updated	Nov 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000015894
Date	May 20, 2020
Book Page	8682/10
Instrument	2020015894

Lender

Name	COMMERCE BANK
Type	Bank
Address	KANSAS CITY, MO 64141

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	May 8, 2030

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MO
Property Address	404 LOCUST ST, LIBERTY, MO 64068-1062
Transaction Type	Mortgage
Record Updated	Nov 25, 2021
Title Company	STEWART

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000035501
Date	Sep 25, 2020
Book Page	8811/60
Instrument	2020035501

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2035

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	$3,421.00 (-2.03%)	$47,610 (+6.63%)	$250,579 (+6.63%)
2023	$3,492.00 (+37.7%)	$44,650	$235,000
2019	$2,536.00

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

FEMA Flood Zone	Zone X minimal risk
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 95% of the US · lower than 93% 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	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 244 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Google Fiber Fiber	8,000 / 8,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: KC Web, Verizon, Wisper ISP.

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