Clay County property record for 908 Spelman Dr, Smithville, MO 64089
| Property Type | Rural Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,742 sqft · built 1895 |
| Lot Size | 10.4 acres (454,766 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $3,049 (2025) |
| Deeds & Mortgages | Jun 2026 Reverse Mortgage Aug 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 05-609-00-01-049.00 |
| Primary APN | 05-609-00-01-049.00 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,742 sqft Living Area |
| Gross Area | 1,898 sqft |
| 1st Floor Area | 1,244 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1895 |
|---|---|
| Effective Year Built | Effective 1895 |
| Exterior Material | Wood Siding |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 454,766 sqft |
| Garage Type | Attached |
| Garage Area | 680 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Covered Wood Porch |
|---|---|
| Deck Area | 272 sqft |
| Patio Area | 272 sqft |
| Shed | 1 Shed |
| Shed Area | 256 sqft |
| Lean-To | 540 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 908 SPELMAN DR |
|---|---|
| City | SMITHVILLE |
| State | MO |
| Zip | 64089-8696 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Legal Description | BEG WL F HWY 1540N OF SL SEC, W166, S220, W456.62, N784.88, E622.62, S ALNG HWY 564.88 TO POB |
| Legal Range | 33W |
| Legal Township | 53N |
| Legal Section | 14 |
| Jurisdiction | CLAY MO |
| Township / Civil Division | PLATTE |
| Census Block Group | 1 |
| Census Block | 1026 |
| Census Tract | 22000 |
Source: Clay County records, as of June 23, 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 | 908 SPELMAN DR, SMITHVILLE, MO 64089-8696 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 15, 2026 | Deed of Trust, Mortgage · Reverse Mortgage CONNECTION BANK |
| Aug 25, 2022 | Warranty Deed, Transfer · Conventional Mortgage CLICK N CLOSE INC |
| Jun 27, 2022 | Deed of Trust, Mortgage · Line of Credit THE NODAWAY VALLEY BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 15, 2025 |
| Deed Sale | Apr 15, 2025 |
| Prior Sale | Apr 15, 2025 |
| Deed Document Number | 20258434 |
| Deed Book / Page | 9916 / 19 |
| Prior Transfer Date | Nov 6, 2024 |
| Prior Transfer Doc | 0000026760 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY MO |
| Recording Date | Jun 15, 2026 |
| Property Address | 908 SPELMAN DR, SMITHVILLE, MO 64089-8696 |
| Document Number | 0000016134 |
| Book / Page | 10189 / 102 |
| Instrument Date | Jun 1, 2026 |
| Instrument | 202616134 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | LAKESIDE TITLE |
| Name | Verified Name |
|---|---|
| Address | 908 SPELMAN DR, SMITHVILLE, MO 64089-8696 |
| Document Number | 0000016134, |
|---|---|
| Date | Jun 15, 2026 |
| Book Page | 10189/102 |
| Instrument | 202616134 |
| Name | CONNECTION BANK |
|---|
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 6 Months |
| Due | Dec 1, 2026 |
| Rate | 6.3% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CLAY MO |
| Recording Date | Aug 25, 2022 |
| Property Address | 908 SPELMAN DR, SMITHVILLE, MO 64089-8696 |
| Document Number | 0000028261 |
| Book / Page | 9435 / 136 |
| Instrument Date | Aug 22, 2022 |
| Instrument | 2022028261 |
| Transaction Type | Transfer |
| Record Updated | Aug 31, 2022 |
| Title Company | LAKESIDE TITLE, LAKESIDE TITLE LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 908 SPELMAN DR, SMITHVILLE, MO 64089-8696 |
| Document Number | 0000028262 |
|---|---|
| Date | Aug 25, 2022 |
| Instrument | 2022028262 |
| Name | CLICK N CLOSE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY MO |
| Property Address | 908 SPELMAN DR, SMITHVILLE, MO 64089-8696 |
| Transaction Type | Mortgage |
| Record Updated | Jul 6, 2022 |
| Title Company | STEWART TITLE |
| Name | Verified Name |
|---|---|
| Address | 908 SPEIIMAN DRIVE, SMITHVILLE, MO 64089 |
| Document Number | 0000021017 |
|---|---|
| Date | Jun 27, 2022 |
| Book Page | 9394/103 |
| Instrument | 2022021017 |
| Name | THE NODAWAY VALLEY BANK |
|---|---|
| Type | Bank |
| Address | SMITHVILLE, MO 64089 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
Source: Clay County assessment roll, as of May 27, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | Clay County |
| Municipality | Smithville City |
| Unified School District | Smithville R-II School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,049.00 (+9.24%) | $42,840 (+10.81%) | $228,022 (+12.06%) |
| 2024 | $2,791.00 (+4.57%) | ||
| 2023 | $2,669.00 (+27.95%) | $38,660 | $203,473 |
| 2019 | $2,086.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Flood Insurance Cost | Premium on Record median of 21 policies |
| Nearby Flood Policies | 21 in force |
| Nearby Flood Claims | 33 (1981–2016) |
| Claims Outside the SFHA | 12 of 33 |
| Most Recent Claim | May 2016 · rainfall accumulation |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 50% of the US · above 69% of Missouri |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation |
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 | SMITHVILLE PWS serves 10,885 people · EPA ID MO1010748 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Oct 2024 |
| Lead | 3 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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 60 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| United Fiber Fiber | 1,000 / 1,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Wisper ISP Fixed Wireless | 400 / 30 |
| Verizon Fixed Wireless | 300 / 20 |
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