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411 Locust St, Liberty, MO 64068 Property Records

Clay County property record for 411 Locust St, Liberty, MO 64068

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,880 sqft · built 1986
Lot Size0.41 acres (17,860 sqft)
Owner2 Individual Names on File
Tax Bill$4,000 (2023)
Deeds & MortgagesSep 2022 Line of Credit
Aug 2020 Mortgage
Flood ZoneZone X (minimal risk)
APN14-316-00-02-036-00

Property Details

APN / Parcel Number

Primary APN14-316-00-02-036-00
Alternative APNs
  • 1431600020360001
  • 244156

Interior

Bedrooms3 Beds
Full Baths2 Baths
Plumbing Fixtures10 Plumbing Fixtures
Total Rooms5 Rooms
Stories2 Stories
Building Area1,880 sqft Total Area
1st Floor Area1,234 sqft
Basement Area1,218 sqft
FireplaceFireplace

Exterior

Year BuiltBuilt 1986
Architectural StyleRaised Ranch
Exterior MaterialWood Siding
Foundation TypeConcrete
Roof MaterialComposition Shingle
Lot Area17,860 sqft (0.41 acres)
Lot Dimensions155 ft deep x 45 ft wide
Garage Area462 sqft
Parking Spaces2 Parking Spaces
PorchOpen Porch
Deck Area200 sqft
Patio Area200 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHVAC

Location & Zoning

Old Parcel Number1431600020360001
Street Address411 LOCUST ST
CityLIBERTY
StateMO
Zip64068-1063
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionNOTTINGHAM 2ND PLAT LT 12
Legal Range32
Legal Township51
Legal Section12
Legal SubdivisionNOTTINGHAM 2ND
Legal Lot Number12
JurisdictionCLAY MO
Township / Civil DivisionLIBERTY
Census Block Group3
Census Block3010
Census Tract21404

Owner

411 Locust St is owned and occupied by two individuals who acquired it in December 2016.

Source: Clay County records, as of November 24, 2025

Owner of Record2 Individual Names on File
Mailing Address411 LOCUST ST, LIBERTY, MO 64068-1063
OccupancyOwner Occupied
Owner TypeIndividual

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

DateDocument
Sep 1, 2022Deed of Trust, Mortgage · Line of Credit
COMMERCE BANK
Aug 6, 2020Deed of Trust, Mortgage · Conventional Mortgage
CLAY COUNTY SAVINGS BANK

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleDec 1, 2016
Deed SaleDec 1, 2016
Prior SaleSep 23, 2013
Deed Document Number7853399ROW
Deed Book / Page7853 / 121
Prior Transfer DateNov 17, 2016
Prior Transfer Doc2016041267
Record UpdatedJun 8, 2026

September 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCLAY MO
Property Address411 LOCUST ST, LIBERTY, MO 64068-1063
Transaction TypeMortgage
Record UpdatedSep 7, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address411 LOCUST ST, LIBERTY, MO 64068-1063

Mortgage

Document Number0000029126
DateSep 1, 2022
Book Page9440/115
Instrument2022029126
Lender
NameCOMMERCE BANK
TypeBank
AddressKANSAS CITY, MO 64106
Agreement
TypeLine of Credit
AmountAmount on Record
Term119 Months
DueAug 23, 2032
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

August 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCLAY MO
Property Address411 LOCUST ST, LIBERTY, MO 64068-1063
Transaction TypeMortgage
Record UpdatedNov 25, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000027419
DateAug 6, 2020
Book Page8758/66
Instrument2020027419
Lender
NameCLAY COUNTY SAVINGS BANK
TypeBank
AddressLIBERTY, MO 64068
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueSep 1, 2050

Tax Assessment & Valuation

Source: Clay County assessment roll, as of May 31, 2025

Property Jurisdictions

TypeName
StateMissouri
CountyClay County
MunicipalityLiberty City
Unified School DistrictLiberty 53 School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$55,670$293,000
2023$4,000.00$51,150$269,210
2019$3,342.00

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

Flood

FEMA maps place 411 Locust St in Zone X, an area of minimal flood risk.

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

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 411 Locust St is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 95% of the US · lower than 93% of Missouri
Wildfire Likelihood0.02% annual chance
ExposureDirect
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 SystemLIBERTY PWS
serves 30,800 people · EPA ID MO1010466
Water SourceGroundwater
Last State InspectionOct 2024
Lead5 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting23
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

ProviderMax 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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