Clay County property record for 705 Ridge Dr, Smithville, MO 64089
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · built 2023 |
| Owner | 2 Individual Names on Record |
| Last Sale | $345,800 (May 2024) |
| Tax Bill | $3,822 (2025) |
| Deeds & Mortgages | May 2026 Construction Loan Feb 2023 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-905-00-09-002.00 |
| Primary APN | 05-905-00-09-002.00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Year Built | Built 2023 |
|---|---|
| Effective Year Built | Effective 2023 |
| Exterior Material | Wood Siding |
| Street Address | 705 RIDGE DR |
|---|---|
| City | SMITHVILLE |
| State | MO |
| Zip | 64089-8328 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | EAGLE RIDGE SMITHVILLE LTS 31-38 BNDY LN ADJ LT 32-A |
| Legal Subdivision | EAGLE RIDGE SMITHVILLE |
| Legal Lot Number | 32 |
| Jurisdiction | CLAY MO |
| Township / Civil Division | PLATTE |
| Census Block Group | 3 |
| Census Block | 3022 |
| Census Tract | 22000 |
Source: Clay County records, as of June 5, 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 | 705 RIDGE DR, SMITHVILLE, MO 64089-8328 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single |
| Date | Document |
|---|---|
| May 29, 2026 | Deed of Trust, Mortgage · Construction Mortgage HNB NATIONAL BANK |
| Feb 10, 2023 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage CLICK N CLOSE INC |
| May 2, 2022 | Warranty Deed, Transfer · Line of Credit BANK OF WESTON |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 21, 2024 · Amount on Record |
| Deed Sale | May 21, 2024 · Amount on Record |
| Prior Sale | May 21, 2024 |
| Deed Document Number | 202410685 |
| Deed Book / Page | 9739 / 27 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY MO |
| Recording Date | May 29, 2026 |
| Property Address | 705 RIDGE DR, SMITHVILLE, MO 64089-8328 |
| Document Number | 0000014407 |
| Book / Page | 10177 / 98 |
| Instrument Date | May 20, 2026 |
| Instrument | 202614407 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 705 RIDGE DR, SMITHVILLE, MO 64089-8328 |
| Document Number | 0000014407, |
|---|---|
| Date | May 29, 2026 |
| Book Page | 10177/98 |
| Instrument | 202614407 |
| Name | HNB NATIONAL BANK |
|---|
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 20, 2056 |
| Rate | 6.23% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY MO |
| Recording Date | Feb 10, 2023 |
| Property Address | 705 RIDGE DR, SMITHVILLE, MO 64089-8328 |
| Document Number | 0000002747 |
| Book / Page | 9514 / 178 |
| Instrument Date | Feb 2, 2023 |
| Instrument | 2023002747 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Nov 7, 2023 |
| Title Company | LAKESIDE TITLE, LAKESIDE TITLE LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 508 ROCK BRIDGE CT, SMITHVILLE, MO 64089-8006 |
| Document Number | 0000002748 |
|---|---|
| Date | Feb 10, 2023 |
| Instrument | 2023002748 |
| Name | CLICK N CLOSE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY MO |
| Recording Date | May 2, 2022 |
| Property Address | 705 RIDGE DR, SMITHVILLE, MO 64089-8328 |
| Document Number | 0000014468 |
| Book / Page | 9357 / 141 |
| Instrument Date | Apr 29, 2022 |
| Instrument | 2022014468 |
| Transaction Type | Transfer |
| Record Updated | Nov 7, 2023 |
| Title Company | STEWART TITLE COMPANY-F, STEWART TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 12575 NW 79TH ST, KANSAS CITY, MO 64152-1309 |
| Document Number | 0000014469 |
|---|---|
| Date | May 2, 2022 |
| Instrument | 2022014469 |
| Name | BANK OF WESTON |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 11 Months |
| Due | Apr 29, 2023 |
Source: Clay County assessment roll, as of May 27, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | Clay County |
| Municipality | Smithville City |
| Unified School District | Smithville R-II School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,822.00 (+64.39%) | $53,710 (+1,077.85%) | $282,684 (+1,077.85%) |
| 2024 | $2,325.00 (+640.45%) | ||
| 2023 | $314.00 | $4,560 | $24,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 | 6 in force |
| Nearby Flood Claims | 1 (2017) |
| Most Recent Claim | Aug 2017 · other causes |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 63% of the US · lower than 70% of Missouri |
|---|---|
| Wildfire Likelihood | 0.03% 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 | SMITHVILLE PWS serves 10,885 people · EPA ID MO1010748 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Oct 2024 |
| Lead | 3 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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 40 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| United Fiber Fiber | 1,000 / 1,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Wisper ISP Fixed Wireless | 400 / 30 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless · Fiber in parts of the area | 100 / 20 |
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