817 Cosby St, Liberty, MO 64068 Property Records

Clay County property record for 817 Cosby St, Liberty, MO 64068

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,300 sqft · built 1980
Lot Size	0.19 acres (8,276 sqft)
Owner	2 Individual Names on Record
Last Sale	$140,300 (Aug 2015)
Tax Bill	$2,654 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Apr 2018 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`15-110-00-02-011.00`

Property Details

APN / Parcel Number

Primary APN	`15-110-00-02-011.00`
Alternative APNs	`1511000020110001` `327377`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,300 sqft Living Area
Gross Area	2,580 sqft
1st Floor Area	1,300 sqft
Basement Area	616 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Split Level
Exterior Material	Wood Siding
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	8,276 sqft (0.19 acres)
Lot Dimensions	115 ft deep x 70 ft wide
Garage Type	Attached
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces
Porch	Covered Wood Porch
Deck Area	168 sqft
Patio Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	817 COSBY ST
City	LIBERTY
State	MO
Zip	64068-1213
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ASHLEY ACRES LT 10
Legal Range	31W
Legal Township	51N
Legal Section	06
Legal Subdivision	ASHLEY ACRES
Legal Lot Number	10
Jurisdiction	CLAY MO
Township / Civil Division	LIBERTY
Census Block Group	3
Census Block	3006
Census Tract	21401

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	817 COSBY ST, LIBERTY, MO 64068-1213
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 15, 2025	Deed of Trust, Mortgage · FHA Mortgage JLB CORP
Apr 6, 2018	Deed of Trust, Mortgage · Line of Credit US BANK NA
Oct 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage JLB CORP
Mar 16, 2020	Deed of Trust, Mortgage GOLDEN OAK LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 4, 2015 · Amount on Record
Deed Sale	Aug 4, 2015 · Amount on Record
Prior Sale	Nov 20, 2008 · Amount on Record
Deed Document Number	201526319
Deed Book / Page	7550 / 81
Prior Transfer Date	Dec 10, 2007
Prior Transfer Doc	0000050395
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MO
Property Address	817 COSBY ST, LIBERTY, MO 64068-1213
Transaction Type	Mortgage
Record Updated	Sep 26, 2025
Title Company	ALLIANCE TITLE COMPANY, ALLIANCE TITLE COMPANY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	817 COSBY ST, LIBERTY, MO 64068-1213
Investor	Possibly a Property Investor

Mortgage

Document Number	0000023535
Date	Sep 15, 2025
Book Page	10012/57
Instrument	2025023535

Lender

Name	JLB CORP
Type	Mortgage Company
Address	OVERLAND PARK, KS 66210

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MO
Property Address	817 COSBY ST, LIBERTY, MO 64068-1213
Transaction Type	Mortgage
Record Updated	Aug 16, 2022
Title Company	SOLIDIFI US INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000010499
Date	Apr 6, 2018
Book Page	8174/049
Instrument	2018010499

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	239 Months
Due	Mar 20, 2038

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MO
Property Address	817 COSBY ST, LIBERTY, MO 64068-1213
Transaction Type	Mortgage
Record Updated	Aug 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	817 COSBY ST, LIBERTY, MO 64068-1213

Mortgage

Document Number	0000044162
Date	Oct 12, 2021
Book Page	9200/110
Instrument	2021044162

Lender

Name	JLB CORP
Type	Mortgage Company
Address	OVERLAND PARK, KS 66210

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2036

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MO
Property Address	817 COSBY ST, LIBERTY, MO 64068-1213
Document Number	0000008748
Instrument Date	Mar 16, 2020
Transaction Type	Mortgage
Record Updated	May 29, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	817 COSBY ST LIBERTY MO 640681213, LIBERTY, MO 64068-1213

Mortgage

Document Number	0000008748
Date	Mar 23, 2020
Book Page	008632/000084
Instrument	8748

Lender

Name	GOLDEN OAK LNDG
Address	OVERLAND PARK, KS 66210

Agreement

Amount	Amount Recorded
Term	240 Months
Due	Mar 22, 2040

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	$2,654.00 (+0.91%)	$36,940 (+9.84%)	$194,421 (+9.84%)
2023	$2,630.00 (+23.3%)	$33,630	$177,000
2019	$2,133.00

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
Nearby Flood Policies	1 in force

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	Low lower than 80% of the US · lower than 84% of Missouri
Wildfire Likelihood	0.04% annual chance
Exposure	None beyond 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 352 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
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Wisper ISP.

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