1015 S Cottage St, Independence, MO 64050 Property Records

Jackson County property record for 1015 S Cottage St, Independence, MO 64050

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 700 sqft · built 1945
Lot Size	0.119 acres (5,177 sqft)
Owner	Individual Name on File
Last Sale	$120,987 (Feb 2024)
Tax Bill	$987 (2025)
Deeds & Mortgages	Feb 2024 Mortgage Feb 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`26-410-18-23`

Property Details

APN / Parcel Number

Primary APN	`26-410-18-23`
Alternative APNs	`26-410-18-23-00-0-00-000` `26410182300000001` `779309`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	700 sqft Living Area
Gross Area	1,400 sqft
1st Floor Area	700 sqft
Basement Area	700 sqft
Flooring	Carpet

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1945
Architectural Style	Bungalow
Exterior Material	Brick/Stone
Construction Type	Steel Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	5,177 sqft (0.119 acres)
Lot Dimensions	130 ft deep x 40 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	72 sqft
Deck Area	Deck Area
Patio Area	20 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Account Number	779309
Street Address	1015 S COTTAGE ST
City	INDEPENDENCE
State	MO
Zip	64050-4347
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SOUTH SIDE ADD NO 2 --- S 18.3 OF W 130 LOT 5 & N 21.7 OF W 130 LOT 6 BLK 11
Legal Subdivision	SOUTH SIDE ADD NO 2
Legal Block	11
Legal Lot Number	5,6
Jurisdiction	JACKSON MO
Township / Civil Division	BLUE
Census Block Group	2
Census Block	2018
Census Tract	11702

Owner

1015 S Cottage St is owned and occupied by an individual who bought it in February 2024.

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

Owner of Record	Individual Name on File
Mailing Address	1015 S COTTAGE ST, INDEPENDENCE, MO 64050-4347
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

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 13, 2024	Deed of Trust, Mortgage · FHA Mortgage EQUITY PRIME MORTGAGE LLC
Feb 27, 2020	Deed of Trust, Mortgage · Line of Credit BLUE RIDGE BK
Jul 1, 2019	Warranty Deed, Transfer KANSAS CITY TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 12, 2024 · Amount on File
Deed Sale	Feb 12, 2024 · Amount on File
Prior Sale	Jul 1, 2019
Deed Document Number	20248746
Record Updated	Oct 29, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON MO
Property Address	1015 S COTTAGE ST, INDEPENDENCE, MO 64050-4347
Transaction Type	Mortgage
Record Updated	Feb 20, 2024
Title Company	NOT AVAILABLE, SOURCEPOINT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15501 E 36TH TER S, INDEPENDENCE, MO 64055-3612

Mortgage

Document Number	00E0009065
Date	Feb 13, 2024
Instrument	2024E0009065

Lender

Name	EQUITY PRIME MORTGAGE LLC
Type	Mortgage Company
Address	ATLANTA, GA 30328

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2054

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON MO
Property Address	1015 S COTTAGE ST, INDEPENDENCE, MO 64050-4347
Document Number	0000E18751
Instrument Date	Feb 27, 2020
Transaction Type	Mortgage
Record Updated	Apr 1, 2020
Title Company	ALPHA TITLE COMPANY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20600 E COURTNEY ATHERTON RD INDEPENDENCE MO 640581956, INDEPENDENCE, MO 64058-1956

Mortgage

Document Number	0000E18751
Date	Mar 4, 2020
Instrument	18751E

Lender

Name	BLUE RIDGE BK
Type	Bank
Address	INDEPENDENCE, MO 64057

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON MO
Recording Date	Jul 1, 2019
Property Address	1015 S COTTAGE ST, INDEPENDENCE, MO 64050-4347
Document Number	0000E49585
Instrument Date	Jun 26, 2019
Instrument	49585E
Transaction Type	Transfer
Record Updated	Aug 12, 2019
Title Company	KANSAS CITY TITLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	20600 E COURTNEY ATHERTON RD INDEPENDENCE MO 640581956, INDEPENDENCE, MO 64058-1956

Tax Assessment & Valuation

The 2025 property tax bill for 1015 S Cottage St was $987, up 0.9% 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		$13,818 (-) Land $3,279 Building $10,539	$72,730 (-)
2025	$987.00 (+0.92%)	$13,818 Land $3,279 Building $10,539	$72,730
2024	$978.00 (+2.3%)
2023	$956.00	$14,121 Land $1,718 Building $12,403	$74,320

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 1015 S Cottage St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective May 28, 2025

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 1015 S Cottage St is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.2% of Missouri
Wildfire Likelihood	Under 0.01% 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 350 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: KC Web, Wisper ISP.

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