Clay County property record for 520 Melissa St, Liberty, MO 64068
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,256 sqft · built 1996 |
| Lot Size | 0.19 acres (8,276 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $271,900 (May 2021) |
| Tax Bill | $3,102 (2025) |
| Deeds & Mortgages | Feb 2020 Mortgage May 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 15-409-00-07-005.00 |
| Primary APN | 15-409-00-07-005.00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,256 sqft Living Area |
| Gross Area | 2,400 sqft |
| 1st Floor Area | 1,256 sqft |
| Basement Area | 520 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Architectural Style | Bi-Level |
| Exterior Material | Wood Siding |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 8,276 sqft (0.19 acres) |
| Lot Dimensions | 124 ft deep x 78 ft wide |
| Garage Type | Attached |
| Garage Area | 624 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 144 sqft |
| Patio Area | 144 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 520 MELISSA ST |
|---|---|
| City | LIBERTY |
| State | MO |
| Zip | 64068-2686 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOLT ESTATES 6TH PLAT LT 5 |
| Legal Range | 31W |
| Legal Township | 51N |
| Legal Section | 18 |
| Legal Subdivision | HOLT ESTATES 6TH |
| Legal Lot Number | 5 |
| Jurisdiction | CLAY MO |
| Township / Civil Division | LIBERTY |
| Census Block Group | 3 |
| Census Block | 3005 |
| Census Tract | 22301 |
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 | 520 MELISSA ST, LIBERTY, MO 64068-2686 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Feb 21, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CEDAR RAPIDS STATE BANK |
| May 6, 2021 | Warranty Deed, Transfer · Conventional Mortgage COMMUNITYAMERICA CU |
| Nov 30, 2018 | Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 6, 2021 · Amount on Record |
| Deed Sale | May 6, 2021 · Amount on Record |
| Prior Sale | Nov 30, 2018 · Amount on Record |
| Deed Document Number | 202119639 |
| Deed Book / Page | 9047 / 129 |
| Prior Transfer Date | Aug 26, 1998 |
| Prior Transfer Doc | 0000009309 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY MO |
| Property Address | 520 MELISSA ST, LIBERTY, MO 64068-2686 |
| Transaction Type | Mortgage |
| Record Updated | Nov 25, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000005518 |
|---|---|
| Date | Feb 21, 2020 |
| Book Page | 8611/014 |
| Instrument | 2020005518 |
| Name | CEDAR RAPIDS STATE BANK |
|---|---|
| Type | Bank |
| Address | CEDAR RAPIDS, NE 68627 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 226 Months |
| Due | Dec 1, 2038 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY MO |
| Recording Date | May 6, 2021 |
| Property Address | 520 MELISSA ST, LIBERTY, MO 64068-2686 |
| Document Number | 0000019639 |
| Book / Page | 9047 / 129 |
| Instrument Date | Apr 30, 2021 |
| Instrument | 2021019639 |
| Transaction Type | Transfer |
| Record Updated | Nov 25, 2021 |
| Title Company | CONTINENTAL, CONTINENTAL TITLE CO |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 520 MELISSA ST, LIBERTY, MO 64068-2686 |
| Document Number | 0000019640 |
|---|---|
| Date | May 6, 2021 |
| Instrument | 2021019640 |
| Name | COMMUNITYAMERICA CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY MO |
| Recording Date | Nov 30, 2018 |
| Property Address | 520 MELISSA ST, LIBERTY, MO 64068-2686 |
| Document Number | 0000038435 |
| Book / Page | 8327 / 038 |
| Instrument Date | Nov 28, 2018 |
| Instrument | 2018038435 |
| Transaction Type | Transfer |
| Record Updated | Nov 25, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 520 MELISSA ST, 520, LIBERTY, MO 64068-2686 |
| Name | Verified Name |
|---|---|
| Address | 520 MELISSA ST, LIBERTY, MO 64068-2686 |
| Document Number | 0000038436 |
|---|---|
| Date | Nov 30, 2018 |
| Instrument | 2018038436 |
| Name | GUARANTEED RATE AFFINITY LLC |
|---|---|
| Type | Non-Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Dec 1, 2038 |
Source: Clay County assessment roll, as of May 27, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | Clay County |
| Municipality | Liberty City |
| Unified School District | Liberty 53 School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,102.00 (+1.84%) | $43,170 (+10.83%) | $227,211 (+10.83%) |
| 2023 | $3,046.00 (+28.52%) | $38,950 | $205,000 |
| 2019 | $2,370.00 |
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 | 1 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 96% of the US · lower than 94% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 428 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 |
| Wisper ISP Fixed Wireless | 200 / 25 |
| T-Mobile Fixed Wireless | 100 / 20 |
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