Clay County property record for 809 Black Oak Dr, Liberty, MO 64068
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,410 sqft · built 1996 |
| Lot Size | 0.27 acres (11,761 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $345,600 (Mar 2022) |
| Tax Bill | $3,775 (2025) |
| Deeds & Mortgages | Aug 2021 Mortgage Mar 2022 Second Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 15-408-00-01-016.00 |
| Primary APN | 15-408-00-01-016.00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 13 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,410 sqft Living Area |
| Gross Area | 2,749 sqft |
| 1st Floor Area | 1,410 sqft |
| Basement Area | 637 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Architectural Style | Bi-Level |
| Exterior Material | Wood Siding |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 11,761 sqft (0.27 acres) |
| Lot Dimensions | 163 ft deep x 68 ft wide |
| Garage Type | Attached |
| Garage Area | 702 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 304 sqft |
| Patio Area | 196 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 809 BLACK OAK DR |
|---|---|
| City | LIBERTY |
| State | MO |
| Zip | 64068-7414 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CLAY MEADOWS 3RD PLAT LT 124 |
| Legal Range | 31W |
| Legal Township | 51N |
| Legal Section | 17 |
| Legal Subdivision | CLAY MEADOWS 3RD |
| Legal Lot Number | 124 |
| Jurisdiction | CLAY MO |
| Township / Civil Division | LIBERTY |
| Census Block Group | 3 |
| Census Block | 3006 |
| 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 | Individual Name on Record |
|---|---|
| Mailing Address | 809 BLACK OAK DR, LIBERTY, MO 64068-7414 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single |
| Date | Document |
|---|---|
| Aug 4, 2021 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Mar 15, 2022 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage MISSOURI HOUSING DEVELOPMENT COMMISSION |
| Mar 15, 2022 | Warranty Deed, Transfer · Conventional Mortgage CENTRAL TRUST BANK |
| Jul 2, 2020 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Oct 9, 2019 | Warranty Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 15, 2022 · Amount on Record |
| Deed Sale | Mar 15, 2022 · Amount on Record |
| Prior Sale | Oct 9, 2019 |
| Deed Document Number | 20228646 |
| Deed Book / Page | 9323 / 18 |
| Prior Transfer Date | Jun 14, 2010 |
| Prior Transfer Doc | 0000020331 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY MO |
| Property Address | 809 BLACK OAK DR, LIBERTY, MO 64068-7414 |
| Transaction Type | Mortgage |
| Record Updated | Sep 30, 2025 |
| Name | Verified Name |
|---|---|
| Address | 809 BLACK OAK DR, LIBERTY, MO 64068-7414 |
| Document Number | 0000033663 |
|---|---|
| Date | Aug 4, 2021 |
| Book Page | 9134/23 |
| Instrument | 2021033663 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY MO |
| Property Address | 809 BLACK OAK DR, LIBERTY, MO 64068-7414 |
| Transaction Type | Mortgage |
| Record Updated | Sep 30, 2025 |
| Title Company | METROPOLITAN TITLE AND ESCROW COMPANY, METROPOLITAN TITLE & ESCROW |
| Name | Verified Name |
|---|
| Document Number | 0000008683 |
|---|---|
| Date | Mar 15, 2022 |
| Book Page | 9323/55 |
| Instrument | 2022008683 |
| Name | MISSOURI HOUSING DEVELOPMENT COMMISSION |
|---|---|
| Type | Government Agency |
| Address | KANSAS CITY, MO 64105 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY MO |
| Recording Date | Mar 15, 2022 |
| Property Address | 809 BLACK OAK DR, LIBERTY, MO 64068-7414 |
| Document Number | 0000008646 |
| Book / Page | 9323 / 18 |
| Instrument Date | Mar 11, 2022 |
| Instrument | 2022008646 |
| Transaction Type | Transfer |
| Record Updated | Sep 30, 2025 |
| Title Company | STEWART TITLE COMPANY-F, STEWART TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 809 BLACK OAK DR, LIBERTY, MO 64068-7414 |
| Document Number | 0000008682 |
|---|---|
| Date | Mar 15, 2022 |
| Instrument | 2022008682 |
| Name | CENTRAL TRUST BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY MO |
| Property Address | 809 BLACK OAK DR, LIBERTY, MO 64068-7414 |
| Transaction Type | Mortgage |
| Record Updated | Nov 25, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000022064 |
|---|---|
| Date | Jul 2, 2020 |
| Book Page | 8723/33 |
| Instrument | 2020022064 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY MO |
| Recording Date | Oct 9, 2019 |
| Property Address | 809 BLACK OAK DR, LIBERTY, MO 64068-7414 |
| Document Number | 0000029998 |
| Book / Page | 8519 / 132 |
| Instrument Date | Oct 8, 2019 |
| Instrument | 2019029998 |
| Transaction Type | Transfer |
| Record Updated | Nov 25, 2021 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 809 BLACK OAK DR, LIBERTY, MO 64068-7414 |
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 | $3,775.00 (+1.92%) | $52,540 (+10.91%) | $276,526 (+10.91%) |
| 2023 | $3,704.00 (+30.74%) | $47,370 | $249,315 |
| 2019 | $2,833.00 |
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.
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 99.1% of the US · lower than 98.2% 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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