Clay County property record for 524 Melissa St, Liberty, MO 64068
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,634 sqft · built 1998 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $165,000 (Mar 2007) |
| Tax Bill | $3,254 (2024) |
| Deeds & Mortgages | Mar 2022 Mortgage Feb 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 15-409-00-07-006.00 |
| Primary APN | 15-409-00-07-006.00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 12 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,634 sqft Living Area |
| Gross Area | 2,879 sqft |
| 1st Floor Area | 746 sqft |
| Basement Area | 706 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Exterior Material | Wood Siding |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 8,712 sqft (0.2 acres) |
| Lot Dimensions | 125 ft deep x 75 ft wide |
| Garage Type | Attached |
| Garage Area | 483 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Covered Wood Porch |
| Deck Area | 392 sqft |
| Patio Area | 392 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 524 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 6 |
| Legal Range | 31W |
| Legal Township | 51N |
| Legal Section | 18 |
| Legal Subdivision | HOLT ESTATES 6TH |
| Legal Lot Number | 6 |
| Jurisdiction | CLAY MO |
| Township / Civil Division | LIBERTY |
| Census Block Group | 3 |
| Census Block | 3005 |
| Census Tract | 22301 |
524 Melissa St is owned and occupied by two individuals who bought it in March 2007.
Source: Clay County records, as of May 27, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 524 MELISSA ST, LIBERTY, MO 64068-2686 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Mar 28, 2022 | Deed of Trust, Mortgage · Conventional Mortgage COMMERCE BANK |
| Feb 18, 2020 | Deed of Trust, Mortgage · Conventional Mortgage COMMERCE BANK |
| Dec 15, 2020 | Deed of Trust, Mortgage · Conventional Mortgage COMMERCE BANK |
| May 3, 2021 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage COMMERCE BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 16, 2007 · Amount on File |
| Deed Sale | Mar 16, 2007 · Amount on File |
| Prior Sale | Jan 15, 2002 · Amount on File |
| Deed Document Number | 200710609 |
| Deed Book / Page | 5652 / 123 |
| Prior Transfer Date | Jan 10, 2002 |
| Prior Transfer Doc | 0000091756 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY MO |
| Property Address | 524 MELISSA ST, LIBERTY, MO 64068-2686 |
| Transaction Type | Mortgage |
| Record Updated | Apr 1, 2022 |
| Title Company | AMROCK INC, AMROCK LLC |
| Name | Verified Name |
|---|---|
| Address | 624 MCLISSA STREET, LIBERTY, MO 64068 |
| Document Number | 0000009985 |
|---|---|
| Date | Mar 28, 2022 |
| Book Page | 9330/147 |
| Instrument | 2022009985 |
| Name | COMMERCE BANK |
|---|---|
| Type | Bank |
| Address | KANSAS CITY, MO 64108 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY MO |
| Property Address | 524 MELISSA ST, LIBERTY, MO 64068-2686 |
| Transaction Type | Mortgage |
| Record Updated | Nov 25, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000004967 |
|---|---|
| Date | Feb 18, 2020 |
| Book Page | 8607/122 |
| Instrument | 2020004967 |
| Name | COMMERCE BANK |
|---|---|
| Type | Bank |
| Address | KANSAS CITY, MO 64106 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Mar 1, 2040 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY MO |
| Property Address | 524 MELISSA ST, LIBERTY, MO 64068-2686 |
| Transaction Type | Mortgage |
| Record Updated | Nov 25, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000048919 |
|---|---|
| Date | Dec 15, 2020 |
| Book Page | 8900/14 |
| Instrument | 2020048919 |
| Name | COMMERCE BANK |
|---|---|
| Type | Bank |
| Address | KANSAS CITY, MO 64106 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Nov 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY MO |
| Property Address | 524 MELISSA ST, LIBERTY, MO 64068-2686 |
| Transaction Type | Mortgage |
| Record Updated | Nov 25, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000018963 |
|---|---|
| Date | May 3, 2021 |
| Book Page | 9043/114 |
| Instrument | 2021018963 |
| Name | COMMERCE BANK |
|---|---|
| Type | Bank |
| Address | KANSAS CITY, MO 64106 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 59 Months |
| Due | Apr 14, 2026 |
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 | $46,550 | $245,000 | |
| 2024 | $3,254.00 (-1.66%) | ||
| 2023 | $3,309.00 | $42,310 | $222,684 |
| 2019 | $2,734.00 |
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.
FEMA maps place 524 Melissa St in Zone X, an area of minimal flood risk.
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.
Wildfire risk around 524 Melissa 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 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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