720 Divide St, Excelsior Springs, MO 64024 Property Records

Clay County property record for 720 Divide St, Excelsior Springs, MO 64024

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,186 sqft · built 1930
Lot Size	0.37 acres (16,117 sqft)
Owner	2 Individual Names on File
Last Sale	$181,900 (Jun 2021)
Tax Bill	$1,720 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Oct 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`12-316-00-08-003.00`

Property Details

APN / Parcel Number

Primary APN	`12-316-00-08-003.00`
Alternative APNs	`1231600080030001` `292530`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,186 sqft Living Area
Gross Area	1,258 sqft
1st Floor Area	988 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Block
Roof Material	Metal
Lot Area	16,117 sqft (0.37 acres)
Lot Dimensions	165 ft deep x 100 ft wide
Garage Type	Detached
Garage Area	360 sqft
Parking Spaces	1 Parking Space
Porch	Covered Wood Porch
Patio Area	160 sqft
Utility Building	140 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	720 DIVIDE ST
City	EXCELSIOR SPRINGS
State	MO
Zip	64024-2530
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CITY BLOCKS EXCELSIOR SPRINGS NW PT CB 142 BEG NW COR CB 142, E165, S100, W165, N100 TO POB
Legal Range	30W
Legal Township	52N
Legal Section	12
Legal Subdivision	EXCELSIOR SPGS CITY
Legal Block	142
Jurisdiction	CLAY MO
Township / Civil Division	FISHING RIVER
Census Block Group	1
Census Block	1010
Census Tract	21704

Owner

720 Divide St is owned and occupied by two individuals who bought it in June 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	720 DIVIDE ST, EXCELSIOR SPRINGS, MO 64024-2530
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

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
Jun 15, 2021	Warranty Deed, Transfer · Conventional Mortgage FINANCE OF AMERICA NA
Oct 1, 2020	Warranty Deed, Transfer · Line of Credit CENTRAL BK/THE MIDWEST

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 15, 2021 · Amount on File
Deed Sale	Jun 15, 2021 · Amount on File
Prior Sale	Oct 1, 2020 · Amount on File
Deed Document Number	202125651
Deed Book / Page	9083 / 159
Record Updated	Oct 29, 2026

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY MO
Recording Date	Jun 15, 2021
Property Address	720 DIVIDE ST, EXCELSIOR SPRINGS, MO 64024-2530
Document Number	0000025651
Book / Page	9083 / 159
Instrument Date	Jun 11, 2021
Instrument	2021025651
Transaction Type	Transfer
Record Updated	Nov 25, 2021
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	720 DIVIDE ST, EXCELSIOR SPRINGS, MO 64024-2530

Mortgage

Document Number	0000025652
Date	Jun 15, 2021
Instrument	2021025652

Lender

Name	FINANCE OF AMERICA NA

Agreement

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

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY MO
Recording Date	Oct 1, 2020
Property Address	720 DIVIDE ST, EXCELSIOR SPRINGS, MO 64024-2530
Document Number	0000036503
Book / Page	008818 / 000113
Instrument Date	Sep 30, 2020
Instrument	36503
Transaction Type	Transfer
Record Updated	Oct 23, 2020
Title Company	THOMSON AFFINITY TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	30893 W 152ND ST EXCELSIOR SPRINGS MO 640245278, EXCELSIOR SPRINGS, MO 64024-5278

Mortgage

Document Number	36513
Date	Oct 1, 2020
Book Page	008818/000123
Instrument	36513

Lender

Name	CENTRAL BK/THE MIDWEST
Address	SMITHVILLE, MO 64089

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 720 Divide St was $1,720.

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

Property Jurisdictions

Type	Name
State	Missouri
County	Clay County
Municipality	Excelsior Springs City
Unified School District	Excelsior Springs 40 School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,720.00	$24,810	$130,579
2023	$1,172.00	$16,820	$88,526
2019	$902.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 720 Divide St 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 720 Divide St is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 64% of the US · lower than 72% of Missouri
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

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	EXCELSIOR SPRINGS PWS serves 11,084 people · EPA ID MO1010261
Water Source	Groundwater
Last State Inspection	Dec 2022
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 213 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
United Fiber Fiber	1,000 / 1,000
Mediacom Xtream Cable	1,000 / 50
Wisper ISP Fixed Wireless	400 / 30
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Mercury Fiber.

Nearby Properties on Divide St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures