Jackson County property record for 12108 E 51st Ter S, Independence, MO 64055
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 988 sqft · built 1955 |
| Lot Size | 0.461 acres (20,062 sqft) |
| Owner | Individual Name on File |
| Last Sale | $233,000 (Apr 2026) |
| Tax Bill | $2,109 (2025) |
| Deeds & Mortgages | Jul 2023 Line of Credit Apr 2026 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 33-920-01-07 |
| Primary APN | 33-920-01-07 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 988 sqft Living Area |
| Gross Area | 2,288 sqft |
| 1st Floor Area | 988 sqft |
| Basement Area | 988 sqft |
| Flooring | Carpet |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1986 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Steel Frame |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 20,062 sqft (0.461 acres) |
| Lot Dimensions | 160 ft deep x 125 ft wide |
| Garage Type | Attached |
| Garage Area | 312 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
|---|---|
| Porch Area | 80 sqft |
| Deck Area | 144 sqft |
| Patio Area | 144 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 883560 |
|---|---|
| Street Address | 12108 E 51ST TER S |
| City | INDEPENDENCE |
| State | MO |
| Zip | 64055-5747 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CHAPEL VALLEY ADD LOT 71 |
| Legal Subdivision | CHAPEL VALLEY |
| Legal Block | 3 |
| Legal Lot Number | 71 |
| Jurisdiction | JACKSON MO |
| Township / Civil Division | BLUE |
| Census Block Group | 3 |
| Census Block | 3020 |
| Census Tract | 12400 |
Source: Jackson County records, as of August 24, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 12108 E 51ST TER S, INDEPENDENCE, MO 64055-5747 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single |
| Date | Document |
|---|---|
| Jul 19, 2023 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA |
| Apr 21, 2026 | Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CTR |
| Apr 21, 2026 | Warranty Deed, Transfer · VA Mortgage MORTGAGE CENTER LLC |
| Mar 25, 2025 | Warranty Deed, Transfer STEWART TITLE COMPANY-F, STEWART TITLE COMPANY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 21, 2026 · Amount on File |
| Deed Sale | Apr 21, 2026 · Amount on File |
| Prior Sale | Mar 25, 2025 |
| Deed Document Number | 202628873 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JACKSON MO |
| Property Address | 12108 E 51ST TER S, INDEPENDENCE, MO 64055-5747 |
| Transaction Type | Mortgage |
| Record Updated | May 11, 2026 |
| Title Company | WFG LENDER SERVICES |
| Name | Verified Name |
|---|---|
| Address | 12108 E 51ST TER S, INDEPENDENCE, MO 64055-5747 |
| Document Number | 00E0051062 |
|---|---|
| Date | Jul 19, 2023 |
| Instrument | 2023E0051062 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 358 Months |
| Due | May 27, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JACKSON MO |
| Recording Date | Apr 21, 2026 |
| Property Address | 12108 E 51ST TER S, INDEPENDENCE, MO 64055-5747 |
| Document Number | 00E0029090 |
| Instrument Date | Apr 16, 2026 |
| Instrument | 202629090 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|
| Document Number | 0000029090, |
|---|---|
| Date | Apr 21, 2026 |
| Instrument | 202629090 |
| Name | MORTGAGE RESEARCH CTR |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate | 6.22% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | JACKSON MO |
| Recording Date | Apr 21, 2026 |
| Property Address | 12108 E 51ST TER S, INDEPENDENCE, MO 64055-5747 |
| Document Number | 0000028873 |
| Instrument Date | Apr 13, 2026 |
| Instrument | 202628873 |
| Transaction Type | Transfer |
| Record Updated | Oct 23, 2026 |
| Title Company | PRESTIGE TITLE, PRESTIGE LAND TITLE |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 00E0029090, |
|---|---|
| Date | Apr 21, 2026 |
| Instrument | 2026E29090 |
| Name | MORTGAGE CENTER LLC |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2056 |
| Max Rate | -1% |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | JACKSON MO |
| Recording Date | Mar 25, 2025 |
| Property Address | 12108 E 51ST TER S, INDEPENDENCE, MO 64055-5747 |
| Document Number | 00E0019999 |
| Instrument Date | Mar 24, 2025 |
| Instrument | 2025E0019999 |
| Transaction Type | Transfer |
| Record Updated | May 11, 2026 |
| Title Company | STEWART TITLE COMPANY-F, STEWART TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 11605 CENTENNIAL ST, PECULIAR, MO 64078-2500 |
Source: Jackson County assessment roll, as of August 24, 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | Jackson County |
| Municipality | Independence City |
| Unified School District | Raytown C-2 School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $25,629 (-) Land $6,471 Building $19,158 | $134,890 (-) | |
| 2025 | $2,109.00 (+7.66%) | $25,629 (+4.77%) Land $6,471 Building $19,158 | $134,890 (+4.78%) |
| 2024 | $1,959.00 (+0.46%) | ||
| 2023 | $1,950.00 | $24,461 Land $4,000 Building $20,461 | $128,740 |
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.
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.
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 | Under 0.01% 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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 304 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Google Fiber Fiber | 8,000 / 8,000 |
| AT&T Fiber · DSL in parts of the area | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Spectrum Cable | 1,000 / 1,000 |
| Everfast Fiber Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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