655 Thornton St, Liberty, MO 64068 Property Records

Clay County property record for 655 Thornton St, Liberty, MO 64068

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 280 sqft · built 1952
Lot Size	0.16 acres (6,970 sqft)
Owner	2 Individual Names on Record
Last Sale	$202,800 (Jul 2022)
Tax Bill	$1,675 (2025)
Deeds & Mortgages	Jul 2022 Second Mortgage Jul 2022 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`15-117-00-10-011.00`

Property Details

APN / Parcel Number

Primary APN	`15-117-00-10-011.00`
Alternative APNs	`1511700100110001` `324274`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	280 sqft Living Area
Gross Area	952 sqft
1st Floor Area	672 sqft
Basement Area	672 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Roof Material	Composition Shingle
Lot Area	6,970 sqft (0.16 acres)
Lot Dimensions	130 ft deep x 57 ft wide
Garage Area	1 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	655 THORNTON ST
City	LIBERTY
State	MO
Zip	64068-2138
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LIBERTY HEIGHTS LT 11 BLK 3
Legal Range	31W
Legal Township	51N
Legal Section	07
Legal Subdivision	LIBERTY HEIGHTS
Legal Tract	1
Legal Block	3
Legal Lot Number	11
Jurisdiction	CLAY MO
Township / Civil Division	LIBERTY
Census Block Group	1
Census Block	1031
Census Tract	21403

Owner

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	655 THORNTON ST, LIBERTY, MO 64068-2138
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jul 6, 2022	Warranty Deed, Transfer · Stand-Alone Second Mortgage MISSOURI HOUSING DEVELOPMENT COMMIS
Jul 6, 2022	Intrafamily Transfer, Transfer · FHA Mortgage ARVEST BANK
Aug 18, 2021	Deed of Trust, Mortgage · ARM ARVEST BANK
Aug 5, 2021	Personal Representative Deed, Transfer · Conventional Mortgage QUICKEN LOANS LLC
Nov 30, 2018	Warranty Deed, Transfer · Conventional Mortgage US BANK NA
Sep 20, 2012	Deed of Trust, Mortgage · FHA Mortgage TRUHOME SOLUTIONS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 6, 2022 · Amount on Record
Deed Sale	Jul 6, 2022 · Amount on Record
Prior Sale	Aug 18, 2021 · Amount on Record
Deed Document Number	202222132
Deed Book / Page	9401 / 50
Record Updated	Sep 20, 2026

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY MO
Recording Date	Jul 6, 2022
Property Address	655 THORNTON ST, LIBERTY, MO 64068-2138
Document Number	0000022132
Book / Page	9401 / 50
Instrument Date	Jun 29, 2022
Instrument	2022022132
Transaction Type	Transfer
Record Updated	Jul 12, 2022
Title Company	NOT AVAILABLE, SECURITY 1ST TTL LLC BLUE SP

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	655 THORNTON ST, LIBERTY, MO 64068-2138

Mortgage

Document Number	0000022165
Date	Jul 6, 2022
Instrument	2022022165

Lender

Name	MISSOURI HOUSING DEVELOPMENT COMMIS
Type	Government Agency

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

July 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CLAY MO
Recording Date	Jul 6, 2022
Property Address	655 THORNTON ST, LIBERTY, MO 64068-2138
Document Number	0000022100
Book / Page	9401 / 24
Instrument Date	Jun 29, 2022
Instrument	2022022100
Transaction Type	Transfer
Record Updated	Jul 12, 2022

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	29803 NE 159TH ST, EXCELSIOR SPRINGS, MO 64024-8426

Mortgage

Document Number	0000022164
Date	Jul 6, 2022
Instrument	2022022164

Lender

Name	ARVEST BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2052

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MO
Property Address	655 THORNTON ST, LIBERTY, MO 64068-2138
Transaction Type	Mortgage
Record Updated	Nov 25, 2021
Title Company	SECURITY FIRST TITLE, SECURITY 1ST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1901 E 60TH ST, KANSAS CITY, MO 64130-4810

Mortgage

Document Number	0000035609
Date	Aug 18, 2021
Book Page	9146/90
Instrument	2021035609

Lender

Name	ARVEST BANK
Type	Bank
Address	LOWELL, AR 72745

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	3%
Adjustable	Adjustable Rate Rider
Type Change Date	Aug 1, 2028
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	8%
Index	1-Year CMT
Margin	3
Max Rate	8%

August 2021: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	CLAY MO
Recording Date	Aug 5, 2021
Property Address	655 THORNTON ST, LIBERTY, MO 64068-2138
Document Number	0000033859
Book / Page	9135 / 67
Instrument Date	Apr 29, 2021
Instrument	2021033859
Transaction Type	Transfer
Record Updated	Nov 25, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 8694, KANSAS CITY, MO 64114-0694

Mortgage

Document Number	0000033731
Date	Aug 5, 2021
Instrument	2021033731

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2051

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY MO
Recording Date	Nov 30, 2018
Property Address	655 THORNTON ST, LIBERTY, MO 64068-2138
Document Number	0000038439
Book / Page	8327 / 042
Instrument Date	Nov 27, 2018
Instrument	2018038439
Transaction Type	Transfer
Record Updated	Nov 25, 2021
Title Company	CONTINENTAL TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	655 THORNTON ST, LIBERTY, MO 64068-2138

Mortgage

Document Number	0000038498
Date	Nov 30, 2018
Instrument	2018038498

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2048

September 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MO
Property Address	655 THORNTON ST, LIBERTY, MO 64068-2138
Document Number	0000004978
Instrument Date	Sep 20, 2012
Transaction Type	Mortgage
Record Updated	Mar 1, 2018
Title Company	KANSAS CITY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	655 THORNTON ST LIBERTY MO 640682138, LIBERTY, MO 64068-2138

Mortgage

Document Number	0000004978
Date	Feb 20, 2018
Book Page	008144/000063
Instrument	4978

Lender

Name	TRUHOME SOLUTIONS
Address	LENEXA, KS 66219

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Feb 19, 2043

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	$1,675.00 (+3.72%)	$23,310 (+12.88%)	$122,684 (+12.88%)
2023	$1,615.00 (+25.29%)	$20,650	$108,684
2019	$1,289.00

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

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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	2 in force
Nearby Flood Claims	1 (1984)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Oct 1984 · river or lake flooding

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 360 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 · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Wisper ISP.

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