1014 N Cottage St, Independence, MO 64050 Property Records

Jackson County property record for 1014 N Cottage St, Independence, MO 64050

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,531 sqft · built 1950
Lot Size	0.217 acres (9,470 sqft)
Owner	2 Individual Names on File
Last Sale	$109,400 (May 2005)
Tax Bill	$1,957 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Jul 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`15-940-13-32`

Property Details

APN / Parcel Number

Primary APN	`15-940-13-32`
Alternative APNs	`15-940-13-32-00-0-00-000` `15940133200000001` `734330`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Stories	1 Story
Building Area	1,531 sqft Living Area
Gross Area	3,662 sqft
1st Floor Area	1,531 sqft
Basement Area	1,531 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Steel Frame
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	9,470 sqft (0.217 acres)
Garage Type	Attached
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	42 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	734330
Street Address	1014 N COTTAGE ST
City	INDEPENDENCE
State	MO
Zip	64050-1743
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ROOSEVELT PARK PT LOTS 3 & 4 BLK 12 DAF: BEG NE COR LOT 3 TH S 87.61 ALG E LI SD LOTS 3 & 4 TH S 89 DEG 45 MIN 42 SEC W 111.62 TH N 81.2 TH E 112.15 ALG N LI SD LOT 3 TO POB (K
Legal Subdivision	ROOSEVELT PARK
Legal Block	12
Legal Lot Number	3,4
Jurisdiction	JACKSON MO
Township / Civil Division	BLUE
Census Block Group	3
Census Block	3019
Census Tract	11200

Owner

1014 N Cottage St is owned and occupied by two individuals who bought it in May 2005.

Source: Jackson County records, as of August 24, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1014 N COTTAGE ST, INDEPENDENCE, MO 64050-1743
Occupancy	Owner Occupied
Owner Type	Individual

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
Jul 6, 2021	Deed of Trust, Mortgage · FHA Mortgage PRIMELENDING
Jul 2, 2021	Warranty Deed, Transfer SECURITY FIRST TITLE, SECURITY 1ST TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 4, 2005 · Amount on File
Deed Sale	May 4, 2005 · Amount on File
Deed Document Number	200537151
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON MO
Property Address	1014 N COTTAGE ST, INDEPENDENCE, MO 64050-1743
Transaction Type	Mortgage
Record Updated	Jan 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00E0073433
Date	Jul 6, 2021
Instrument	2021E0073433

Lender

Name	PRIMELENDING
Type	Mortgage Company
Address	DALLAS, TX 75252

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2051

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON MO
Recording Date	Jul 2, 2021
Property Address	1014 N COTTAGE ST, INDEPENDENCE, MO 64050-1743
Document Number	00E0072644
Instrument Date	Jun 29, 2021
Instrument	2021E0072644
Transaction Type	Transfer
Record Updated	Nov 7, 2022
Title Company	SECURITY FIRST TITLE, SECURITY 1ST TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1014 N COTTAGE ST, INDEPENDENCE, MO 64050-1743

Tax Assessment & Valuation

The 2025 property tax bill for 1014 N Cottage St was $1,957, down 1.9% from the year before.

Source: Jackson County assessment roll, as of August 24, 2026

Property Jurisdictions

Type	Name
State	Missouri
County	Jackson County
Municipality	Independence City
Unified School District	Independence 30 School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$27,389 (-) Land $7,494 Building $19,895	$144,150 (-)
2025	$1,957.00 (-1.86%)	$27,389 Land $7,494 Building $19,895	$144,150
2024	$1,994.00 (+2.31%)
2023	$1,949.00	$28,791 Land $2,746 Building $26,045	$151,530

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 1014 N Cottage St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective May 28, 2025 · 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
Community Rating System	Class 8 (10% premium discount)
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

Wildfire risk around 1014 N Cottage St is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 94% of Missouri
Wildfire Likelihood	0.02% 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	INDEPENDENCE PWS serves 120,000 people · EPA ID MO1010399
Water Source	Groundwater
Last State Inspection	May 2024
Lead	1 ppb (2023–2025) 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 321 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

May also be available: T-Mobile, Wisper ISP.

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