686 Thornton St, Liberty, MO 64068 Property Records

Clay County property record for 686 Thornton St, Liberty, MO 64068

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,253 sqft · built 1955
Lot Size	0.18 acres (7,841 sqft)
Owner	Individual Name on File
Tax Bill	$2,510 (2025)
Deeds & Mortgages	Oct 2020 Mortgage May 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`15-117-00-09-016.00`

Property Details

APN / Parcel Number

Primary APN	`15-117-00-09-016.00`
Alternative APNs	`1511700090160001` `317332`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,253 sqft Living Area
Gross Area	2,117 sqft
1st Floor Area	864 sqft
Basement Area	864 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Raised Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	7,841 sqft (0.18 acres)
Lot Dimensions	125 ft deep x 65 ft wide
Garage Area	1 sqft
Parking Spaces	1 Parking Space
Utility Building	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	686 THORNTON ST
City	LIBERTY
State	MO
Zip	64068-2139
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LIBERTY HEIGHTS AMENDED 3RD PLAT LT 16 BLK 2
Legal Range	31W
Legal Township	51N
Legal Section	07
Legal Subdivision	LIBERTY HEIGHTS AMENDED 3RD
Legal Block	2
Legal Lot Number	16
Jurisdiction	CLAY MO
Township / Civil Division	LIBERTY
Census Block Group	1
Census Block	1021
Census Tract	21403

Owner

686 Thornton St is owned and occupied by an individual who acquired it in August 2024.

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

Owner of Record	Individual Name on File
Mailing Address	686 THORNTON ST, LIBERTY, MO 64068-2139
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

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

Deeds, Mortgages & Sale History

Date	Document
Oct 8, 2020	Warranty Deed, Transfer · Conventional Mortgage CHURCHILL MORTGAGE CORP
May 29, 2020	Warranty Deed, Transfer · Line of Credit NORTH OAK INV

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 22, 2024
Deed Sale	Aug 22, 2024
Prior Sale	Oct 8, 2020 · Amount on File
Deed Document Number	202419033
Deed Book / Page	9791 / 119
Record Updated	Oct 29, 2026

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY MO
Recording Date	Oct 8, 2020
Property Address	686 THORNTON ST, LIBERTY, MO 64068-2139
Document Number	0000037781
Book / Page	8827 / 50
Instrument Date	Oct 8, 2020
Instrument	2020037781
Transaction Type	Transfer
Record Updated	Nov 25, 2021

Transaction

Tax	$0.00
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	686 THORNTON ST, LIBERTY, MO 64068-2139

Mortgage

Document Number	0000037782
Date	Oct 8, 2020
Instrument	2020037782

Lender

Name	CHURCHILL MORTGAGE CORP
Type	Mortgage Company

Agreement

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

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY MO
Recording Date	May 29, 2020
Property Address	686 THORNTON ST, LIBERTY, MO 64068-2139
Document Number	0000017194
Book / Page	008691 / 000015
Instrument Date	May 28, 2020
Instrument	17194
Transaction Type	Transfer
Record Updated	Jul 15, 2020
Title Company	OTHER

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	686 THORNTON ST LIBERTY MO 640682139, LIBERTY, MO 64068-2139

Mortgage

Document Number	17195
Date	May 29, 2020
Book Page	008691/000016
Instrument	17195

Lender

Name	NORTH OAK INV
Type	MERS
Address	KANSAS CITY, MO 64114

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 686 Thornton St was $2,510.

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	$2,510.00	$34,940	$183,895
2023	$1,971.00	$25,210	$132,684
2019	$1,598.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 686 Thornton St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1984.

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

The area around 686 Thornton St has no burnable land within ember reach, so its wildfire risk is not rated.

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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