409 E 21st St, Kearney, MO 64060 Property Records

Clay County property record for 409 E 21st St, Kearney, MO 64060

Property Summary

Property Type	Single Family Home
Details	2 bd · 4 ba · 1,838 sqft · built 2002
Lot Size	1.03 acres (45,302 sqft)
Owner	2 Individual Names on File
Last Sale	$252,600 (Sep 2000)
Tax Bill	$4,904 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Dec 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`11-305-00-04-033.00`

Property Details

APN / Parcel Number

Primary APN	`11-305-00-04-033.00`
Alternative APNs	`1130500040330001` `330417`

Interior

Bedrooms	2 Beds
Full Baths	4 Baths
Plumbing Fixtures	16 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,838 sqft Living Area
Gross Area	4,580 sqft
1st Floor Area	1,838 sqft
Basement Area	1,838 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	45,302 sqft
Lot Dimensions	274 ft deep x 83 ft wide
Garage Type	Attached
Garage Area	724 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Screened Porch
Patio Area	468 sqft
Shed	1 Shed
Shed Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	409 E 21ST ST
City	KEARNEY
State	MO
Zip	64060-7606
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WHITE GATES 5TH PLAT LT 171
Legal Range	31W
Legal Township	52N
Legal Section	02
Legal Subdivision	WHITE GATES 05
Legal Lot Number	171
Jurisdiction	CLAY MO
Township / Civil Division	KEARNEY
Census Block Group	1
Census Block	1006
Census Tract	21811

Owner

409 E 21st St is owned and occupied by two individuals who acquired it in November 2019.

Source: Clay County records, as of May 27, 2026

Owner of Record	2 Individual Names on File
Mailing Address	409 E 21ST ST, KEARNEY, MO 64060-7606
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Borrower in Default

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

Date	Document
Oct 18, 2021	Deed of Trust, Mortgage · Conventional Mortgage FLAT BRANCH HOME LOANS INC
Dec 6, 2017	Deed of Trust, Mortgage · Line of Credit ARVEST BK-GREATER KANSAS CITY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 13, 2000 · Amount on File
Deed Sale	Sep 13, 2000 · Amount on File
Deed Document Number	200015175
Deed Book / Page	3199 / 452
Last Transfer Date	Nov 21, 2019
Transfer Doc	0000036152
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MO
Property Address	409 E 21ST ST, KEARNEY, MO 64060-7606
Transaction Type	Mortgage
Record Updated	Aug 16, 2022
Title Company	ALLIANCE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 E 21ST ST, KEARNEY, MO 64060-7606

Mortgage

Document Number	0000045180
Date	Oct 18, 2021
Book Page	9207/55
Instrument	2021045180

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Nov 1, 2036

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MO
Property Address	409 E 21ST ST, KEARNEY, MO 64060-7606
Document Number	0000042160
Book / Page	008107 / 000105
Instrument Date	Dec 6, 2017
Transaction Type	Mortgage
Record Updated	Jan 3, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	409 E 21ST ST KEARNEY MO 640607606, KEARNEY, MO 64060-7606

Mortgage

Document Number	0000042160
Date	Dec 14, 2017
Book Page	008107/000105
Instrument	42160

Lender

Name	ARVEST BK-GREATER KANSAS CITY
Address	MISSION, KS 66202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	Dec 13, 2022

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 409 E 21st St was $4,904.

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	$4,904.00	$74,960	$394,526
2023	$4,455.00	$65,230	$343,315
2019	$3,819.00

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 409 E 21st St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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 100 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

Wildfire risk around 409 E 21st St is low, with a 0.01% annual chance of 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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