Clay County property record for 525 Cobblestone St, Liberty, MO 64068
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 3 ba · 1,636 sqft · built 1984 |
| Lot Size | 0.05 acres (2,178 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $3,895 (2023) |
| Deeds & Mortgages | Nov 2018 Mortgage Nov 2022 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 15-113-00-05-002-11 |
| Primary APN | 15-113-00-05-002-11 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,636 sqft Total Area |
| 1st Floor Area | 1,650 sqft |
| Basement Area | 1,584 sqft |
| Fireplace | Fireplace |
| Year Built | Built 1984 |
|---|---|
| Architectural Style | Ranch |
| Exterior Material | Wood Siding |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 2,178 sqft (0.05 acres) |
| Garage Area | 529 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Deck Area | 182 sqft |
| Patio Area | 408 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Old Parcel Number | 1511300050021101 |
|---|---|
| Street Address | 525 COBBLESTONE ST |
| City | LIBERTY |
| State | MO |
| Zip | 64068-1167 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WESTWOODS UNIT 21 LT 2 BLK 1 |
| Legal Range | 31 |
| Legal Township | 51 |
| Legal Section | 07 |
| Legal Subdivision | WESTWOODS |
| Legal Block | 1 |
| Legal Lot Number | 2 |
| Legal Unit | 21 |
| Jurisdiction | CLAY MO |
| Township / Civil Division | LIBERTY |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 21404 |
525 Cobblestone St is owned and occupied by an individual who acquired it in November 2022.
Source: Clay County records, as of November 24, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 525 COBBLESTONE ST, LIBERTY, MO 64068-1167 |
| 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 |
|---|---|
| Nov 2, 2018 | Deed of Trust, Mortgage · ARM CLAY COUNTY SAVINGS BANK |
| Nov 14, 2022 | Deed, Transfer |
| Jan 4, 2019 | Warranty Deed, Transfer MCCAFFREE-SHORT TITLE COMPANY INC, MCCAFFREE-SHORT TITLE CO INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 14, 2022 |
| Deed Sale | Nov 14, 2022 |
| Prior Sale | Jan 4, 2019 |
| Deed Document Number | 2022036385 |
| Deed Book / Page | 9479 / 80 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY MO |
| Property Address | 525 COBBLESTONE ST, LIBERTY, MO 64068-1167 |
| Transaction Type | Mortgage |
| Record Updated | Nov 18, 2022 |
| Title Company | MCCAFFREE SHORT TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000035821 |
|---|---|
| Date | Nov 2, 2018 |
| Book Page | 8312/058 |
| Instrument | 2018035821 |
| Name | CLAY COUNTY SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | LIBERTY, MO 64068 |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.75% |
| Type Change Date | Nov 1, 2023 |
| Change Frequency | Annually |
| Min Rate At Change | 4.75% |
| Max Rate At Change | 6.75% |
| Index | 1-Year CMT |
| Max Rate | 10.7% |
| Document Type | Deed |
|---|---|
| Jurisdiction | CLAY MO |
| Recording Date | Nov 14, 2022 |
| Property Address | 525 COBBLESTONE ST, LIBERTY, MO 64068-1167 |
| Document Number | 0000036385 |
| Book / Page | 9479 / 80 |
| Instrument Date | Aug 26, 2022 |
| Instrument | 2022036385 |
| Transaction Type | Transfer |
| Record Updated | Nov 18, 2022 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 525 COBBLESTONE ST, LIBERTY, MO 64068-1167 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY MO |
| Recording Date | Jan 4, 2019 |
| Property Address | 525 COBBLESTONE ST, LIBERTY, MO 64068-1167 |
| Document Number | 0000000269 |
| Book / Page | 008345 / 000115 |
| Instrument Date | Dec 26, 2018 |
| Instrument | 269 |
| Transaction Type | Transfer |
| Record Updated | Jan 11, 2019 |
| Title Company | MCCAFFREE-SHORT TITLE COMPANY INC, MCCAFFREE-SHORT TITLE CO INC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 525 COBBLESTONE ST LIBERTY MO 640681167, LIBERTY, MO 64068-1167 |
Source: Clay County assessment roll, as of May 31, 2025
| 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 | $54,360 | $286,105 | |
| 2023 | $3,895.00 | $49,800 | $262,105 |
| 2019 | $3,340.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 525 Cobblestone St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1985.
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 |
| Nearby Flood Claims | 1 (1985) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Oct 1985 · tidal / storm surge |
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 525 Cobblestone St is low, with less than 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 | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 301 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 · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Verizon, Wisper ISP.
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