902 Divide St, Excelsior Springs, MO 64024 Property Records

Clay County property record for 902 Divide St, Excelsior Springs, MO 64024

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,119 sqft · built 1999
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on Record
Last Sale	$196,300 (Jun 2018)
Tax Bill	$2,262 (2025)
Deeds & Mortgages	May 2020 Mortgage Jun 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`12-316-00-07-001.03`

Property Details

APN / Parcel Number

Primary APN	`12-316-00-07-001.03`
Alternative APNs	`1231600070010301` `269236`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,119 sqft Living Area
Gross Area	2,238 sqft
1st Floor Area	1,197 sqft
Basement Area	543 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Bi-Level
Exterior Material	Wood Siding
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	102 ft deep x 86 ft wide
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Deck Area	120 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	902 DIVIDE ST
City	EXCELSIOR SPRINGS
State	MO
Zip	64024-2532
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOMESTEAD ADDITION LT 3
Legal Range	30W
Legal Township	52N
Legal Section	12
Legal Subdivision	HOMESTEAD ADDITION
Legal Lot Number	3
Jurisdiction	CLAY MO
Township / Civil Division	FISHING RIVER
Census Block Group	1
Census Block	1018
Census Tract	21704

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	902 DIVIDE ST, EXCELSIOR SPRINGS, MO 64024-2532
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITY MORTGAGE LLC
Jun 27, 2018	Warranty Deed, Transfer · Conventional Mortgage FLAT BRANCH HOME LOANS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 27, 2018 · Amount on Record
Deed Sale	Jun 27, 2018 · Amount on Record
Prior Sale	Apr 1, 2015 · Amount on Record
Deed Document Number	201820694
Deed Book / Page	8227 / 129
Prior Transfer Date	Oct 29, 2013
Prior Transfer Doc	0000043081
Record Updated	Oct 29, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MO
Property Address	902 DIVIDE ST, EXCELSIOR SPRINGS, MO 64024-2532
Transaction Type	Mortgage
Record Updated	Nov 25, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000016957
Date	May 28, 2020
Book Page	8689/63
Instrument	2020016957

Lender

Name	COMMUNITY MORTGAGE LLC
Type	Mortgage Company
Address	INDEPENDENCE, MO 64055

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY MO
Recording Date	Jun 27, 2018
Property Address	902 DIVIDE ST, EXCELSIOR SPRINGS, MO 64024-2532
Document Number	0000020694
Book / Page	8227 / 129
Instrument Date	Jun 19, 2018
Instrument	2018020694
Transaction Type	Transfer
Record Updated	Nov 25, 2021
Title Company	STEWART TITLE CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	902 DIVIDE EXCELSIOR, EXCELSIOR SPRINGS, MO 64024

Mortgage

Document Number	0000020707
Date	Jun 27, 2018
Instrument	2018020707

Lender

Name	FLAT BRANCH HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2048

Tax Assessment & Valuation

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	$2,262.00 (+13.61%)	$32,640 (+14.21%)	$171,789 (+14.21%)
2023	$1,991.00 (+24.2%)	$28,580	$150,421
2019	$1,603.00

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

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

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.

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