904 Divide St, Excelsior Springs, MO 64024 Property Records

Clay County property record for 904 Divide St, Excelsior Springs, MO 64024

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 864 sqft · built 1920
Lot Size	0.28 acres (12,197 sqft)
Owner	Individual Name on File
Last Sale	$137,500 (Feb 2021)
Tax Bill	$1,098 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Oct 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`12-316-00-07-002.00`

Property Details

APN / Parcel Number

Primary APN	`12-316-00-07-002.00`
Alternative APNs	`1231600070020001` `292528`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	864 sqft Living Area
Gross Area	1,416 sqft
1st Floor Area	864 sqft
Basement Area	432 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Slab (Mat/Raft)
Roof Material	Composition Shingle
Lot Area	12,197 sqft (0.28 acres)
Lot Dimensions	205 ft deep x 55 ft wide
Porch	Screened Porch
Deck Area	24 sqft
Patio Area	24 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	904 DIVIDE ST
City	EXCELSIOR SPRINGS
State	MO
Zip	64024-2532
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MCGLOTHLINS ADDITION LT 1 & S5 ADJ ALLEY BLK 21
Legal Range	30W
Legal Township	52N
Legal Section	12
Legal Subdivision	MCGLOTHLINS ADDITION
Legal Block	21
Legal Lot Number	1
Jurisdiction	CLAY MO
Township / Civil Division	FISHING RIVER
Census Block Group	1
Census Block	1018
Census Tract	21704

Owner

904 Divide St is owned and occupied by an individual who bought it in February 2021.

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

Owner of Record	Individual Name on File
Mailing Address	904 DIVIDE ST, EXCELSIOR SPRINGS, MO 64024-2532
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Person

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
Feb 1, 2021	Warranty Deed, Transfer · Conventional Mortgage FLAT BRANCH HOME LOANS INC
Oct 26, 2020	Warranty Deed, Transfer STEWART TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 1, 2021 · Amount on File
Deed Sale	Feb 1, 2021 · Amount on File
Prior Sale	Oct 26, 2020
Deed Document Number	20214515
Deed Book / Page	8948 / 116
Record Updated	Oct 29, 2026

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY MO
Recording Date	Feb 1, 2021
Property Address	904 DIVIDE ST, EXCELSIOR SPRINGS, MO 64024-2532
Document Number	0000004515
Book / Page	8948 / 116
Instrument Date	Jan 29, 2021
Instrument	2021004515
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	904 DIVIDE ST, EXCELSIOR SPRINGS, MO 64024-2532

Mortgage

Document Number	0000004516
Date	Feb 1, 2021
Instrument	2021004516

Lender

Name	FLAT BRANCH HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2051

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CLAY MO
Recording Date	Oct 26, 2020
Property Address	904 DIVIDE ST, EXCELSIOR SPRINGS, MO 64024-2532
Document Number	0000040439
Book / Page	008845 / 000034
Instrument Date	Oct 22, 2020
Instrument	40439
Transaction Type	Transfer
Record Updated	Nov 5, 2020
Title Company	STEWART TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 486 LIBERTY MO 640690486, LIBERTY, MO 64069-0486

Tax Assessment & Valuation

The 2025 property tax bill for 904 Divide St was $1,098.

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	$1,098.00	$15,850	$83,421
2023	$961.00	$13,790	$72,578
2019	$804.00

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

FEMA maps place 904 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 904 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.

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