540 Ridgeway Dr, Liberty, MO 64068 Property Records

Clay County property record for 540 Ridgeway Dr, Liberty, MO 64068

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,164 sqft · built 1958
Lot Size	0.5 acres (21,780 sqft)
Owner	2 Individual Names on File
Last Sale	$349,000 (Jun 2021)
Tax Bill	$3,695 (2024)
Deeds & Mortgages	Jun 2021 Mortgage Apr 2019 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`15-109-00-04-016.00`

Property Details

APN / Parcel Number

Primary APN	`15-109-00-04-016.00`
Alternative APNs	`1510900040160001` `283866`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,164 sqft Living Area
Gross Area	5,140 sqft
1st Floor Area	1,934 sqft
Basement Area	1,934 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Architectural Style	Ranch
Exterior Material	Brick
Roof Material	Composition Shingle
Lot Area	21,780 sqft (0.5 acres)
Lot Dimensions	143 ft deep x 270 ft wide
Garage Type	Attached
Garage Area	868 sqft
Parking Spaces	2 Parking Spaces
Porch	Covered Wood Porch
Patio Area	361 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	540 RIDGEWAY DR
City	LIBERTY
State	MO
Zip	64068-1453
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BLUEBERRY HILLS AMENDED PLAT LT 1 BLK 2 EXC NW COR BEG NE COR LT 1, WLY143.45, SLY257.11, NELY270.98 TO POB
Legal Range	31W
Legal Township	51N
Legal Section	06
Legal Subdivision	BLUEBERRY HILLS AMENDED
Legal Block	2
Legal Lot Number	1
Jurisdiction	CLAY MO
Township / Civil Division	LIBERTY
Census Block Group	1
Census Block	1007
Census Tract	21404

Owner

540 Ridgeway Dr is owned and occupied by two individuals who bought it in June 2021.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	540 RIDGEWAY DR, LIBERTY, MO 64068-1453
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Apr 2, 2019	Deed of Trust, Mortgage · Line of Credit CLAY COUNTY SAVINGS BANK
Feb 21, 2020	Deed of Trust, Mortgage · Conventional Mortgage CLAY COUNTY SAVINGS BANK
Jun 28, 2021	Warranty Deed, Transfer THOMSON AFFINITY TITLE, THOMSON AFFINITY TITLE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 28, 2021 · Amount on File
Deed Sale	Jun 28, 2021 · Amount on File
Prior Sale	Oct 24, 2008 · Amount on File
Deed Document Number	202127711
Deed Book / Page	9096 / 88
Prior Transfer Date	Jul 19, 2004
Prior Transfer Doc	0000083716
Record Updated	Sep 20, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MO
Property Address	540 RIDGEWAY DR, LIBERTY, MO 64068-1453
Transaction Type	Mortgage
Record Updated	Nov 7, 2023
Title Company	PLATINUM TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000028125
Date	Jun 30, 2021
Book Page	9098/157
Instrument	2021028125

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MO
Property Address	540 RIDGEWAY DR, LIBERTY, MO 64068-1453
Transaction Type	Mortgage
Record Updated	Aug 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000007676
Date	Apr 2, 2019
Book Page	8386/084
Instrument	2019007676

Lender

Name	CLAY COUNTY SAVINGS BANK
Type	Bank
Address	LIBERTY, MO 64068

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Apr 1, 2034

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MO
Property Address	540 RIDGEWAY DR, LIBERTY, MO 64068-1453
Transaction Type	Mortgage
Record Updated	Aug 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000005556
Date	Feb 21, 2020
Book Page	8611/052
Instrument	2020005556

Lender

Name	CLAY COUNTY SAVINGS BANK
Type	Bank
Address	LIBERTY, MO 64068

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2050

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY MO
Recording Date	Jun 28, 2021
Property Address	540 RIDGEWAY DR, LIBERTY, MO 64068-1453
Document Number	0000027711
Book / Page	9096 / 88
Instrument Date	Jun 28, 2021
Instrument	2021027711
Transaction Type	Transfer
Record Updated	Aug 16, 2022
Title Company	THOMSON AFFINITY TITLE, THOMSON AFFINITY TITLE LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	540 RIDGEWAY DR, LIBERTY, MO 64068-1453

Tax Assessment & Valuation

Source: Clay County assessment roll, as of May 27, 2026

Property Jurisdictions

Type	Name
State	Missouri
County	Clay County
Municipality	Liberty City
Unified School District	Liberty 53 School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$55,160	$290,316
2024	$3,695.00 (-1.68%)
2023	$3,758.00	$48,050	$252,894
2019	$3,441.00

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 540 Ridgeway Dr in Zone X, an area of minimal flood risk.

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

FEMA Flood Zone	Zone X minimal risk
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 540 Ridgeway Dr 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 99.1% of the US · lower than 98.2% of Missouri
Wildfire Likelihood	Under 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	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

Violations Reported to EPA

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.

Internet Providers

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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