Clay County property record for 549 White Oak Ln, Liberty, MO 64068
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,026 sqft · built 1996 |
| Lot Size | 0.26 acres (11,326 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $4,304 (2023) |
| Deeds & Mortgages | Jul 2021 Mortgage Oct 2022 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 15-120-00-06-003.00 |
| Primary APN | 15-120-00-06-003.00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 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 | 2,026 sqft Living Area |
| Gross Area | 3,594 sqft |
| 1st Floor Area | 930 sqft |
| Basement Area | 914 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Architectural Style | Bi-Level |
| Exterior Material | Wood Siding |
| Roof Material | Composition Shingle |
| Lot Area | 11,326 sqft (0.26 acres) |
| Lot Dimensions | 144 ft deep x 84 ft wide |
| Garage Type | Attached |
| Garage Area | 504 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Covered Wood Porch |
| Deck Area | 384 sqft |
| Patio Area | 384 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 549 WHITE OAK LN |
|---|---|
| City | LIBERTY |
| State | MO |
| Zip | 64068-7412 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CLAY MEADOWS 3RD PLAT LT 97 |
| Legal Range | 31W |
| Legal Township | 51N |
| Legal Section | 08 |
| Legal Subdivision | CLAY MEADOWS 3RD |
| Legal Lot Number | 97 |
| Jurisdiction | CLAY MO |
| Township / Civil Division | LIBERTY |
| Census Block Group | 3 |
| Census Block | 3005 |
| Census Tract | 21601 |
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 | 549 WHITE OAK LN, LIBERTY, MO 64068-7412 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single |
| Date | Document |
|---|---|
| Jul 28, 2021 | Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC |
| Oct 5, 2022 | Deed of Trust, Mortgage · Line of Credit THE NODAWAY VALLEY BANK |
| Oct 4, 2022 | Warranty Deed, Transfer · Line of Credit THE NODAWAY VALLEY BANK |
| Aug 13, 2019 | Deed of Trust, Mortgage · Line of Credit BANK OF THE WEST |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 4, 2022 |
| Deed Sale | Oct 4, 2022 |
| Prior Sale | Sep 30, 2013 |
| Deed Document Number | 202232552 |
| Deed Book / Page | 9459 / 47 |
| Prior Transfer Date | Jan 11, 2011 |
| Prior Transfer Doc | 0000001704 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY MO |
| Property Address | 549 WHITE OAK LN, LIBERTY, MO 64068-7412 |
| Transaction Type | Mortgage |
| Record Updated | Sep 30, 2025 |
| Name | Verified Name |
|---|---|
| Address | 549 WHITE OAK LN, LIBERTY, MO 64068-7412 |
| Document Number | 0000032417 |
|---|---|
| Date | Jul 28, 2021 |
| Book Page | 9125/133 |
| Instrument | 2021032417 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHESTERFIELD, MO 63005 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY MO |
| Property Address | 549 WHITE OAK LN, LIBERTY, MO 64068-7412 |
| Transaction Type | Mortgage |
| Record Updated | Nov 7, 2023 |
| Name | Verified Name |
|---|---|
| Address | 17607 NE 52ND ST, LIBERTY, MO 64068-8315 |
| Document Number | 0000032598 |
|---|---|
| Date | Oct 5, 2022 |
| Book Page | 9459/93 |
| Instrument | 2022032598 |
| Name | THE NODAWAY VALLEY BANK |
|---|---|
| Type | Bank |
| Address | SMITHVILLE, MO 64089 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY MO |
| Recording Date | Oct 4, 2022 |
| Property Address | 549 WHITE OAK LN, LIBERTY, MO 64068-7412 |
| Document Number | 0000032552 |
| Book / Page | 9459 / 47 |
| Instrument Date | Oct 3, 2022 |
| Instrument | 2022032552 |
| Transaction Type | Transfer |
| Record Updated | Sep 30, 2025 |
| Title Company | UNKNOWN, MCCAFFREE SHORT TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 549 WHITE OAK LN, LIBERTY, MO 64068-7412 |
| Document Number | 0000032598 |
|---|---|
| Date | Oct 4, 2022 |
| Instrument | 2022032598 |
| Name | THE NODAWAY VALLEY BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY MO |
| Property Address | 549 WHITE OAK LN, LIBERTY, MO 64068-7412 |
| Document Number | 0000024808 |
| Instrument Date | Aug 13, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Sep 12, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 549 WHITE OAK LN LIBERTY MO 640687412, LIBERTY, MO 64068-7412 |
| Document Number | 0000024808 |
|---|---|
| Date | Aug 29, 2019 |
| Book Page | 008487/000103 |
| Instrument | 24808 |
| Name | BANK OF THE WEST |
|---|---|
| Type | Bank |
| Address | OMAHA, NE 68154 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Aug 28, 2044 |
| Rate Type | Adjustable Rate |
|---|
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 | $60,420 (+9.77%) | $318,000 (+9.77%) | |
| 2023 | $4,304.00 (+27.75%) | $55,040 | $289,684 |
| 2019 | $3,369.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 96% 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.
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 344 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, DSL in parts of the area | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Wisper ISP Fixed Wireless | 400 / 30 |
| Verizon Fixed Wireless | 300 / 20 |
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