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12109 E 46th Ter S, Independence, MO 64055 Property Records

Jackson County property record for 12109 E 46th Ter S, Independence, MO 64055 · Last verified April 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,243 sqft · built 1963
Lot Size0.26 acres (11,308 sqft)
Owner2 Individual Names on File
Last Sale$116,300 (Aug 2020)
Tax Bill$3,708 (2024)
Deeds & MortgagesOct 2023 Mortgage
Aug 2020 Mortgage
Flood ZoneZone X (minimal risk)
APN33-420-17-06

Property Details

APN / Parcel Number

Primary APN33-420-17-06
Alternative APNs
  • 33-420-17-06-00-0-00-000
  • 33420170600000001
  • 880080

Interior

Bedrooms3 Beds
Full Baths2 Baths
Plumbing Fixtures8 Plumbing Fixtures
Stories1 Story
Building Area1,243 sqft Living Area
1st Floor Area1,231 sqft
Basement Area1,231 sqft
Finished Basement923 sqft
Unfinished Basement308 sqft
FlooringCarpet
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1963
Effective Year BuiltEffective 1963
Architectural StyleRanch
Exterior MaterialBrick/Stone
Construction TypeSteel Frame
Roof TypeGable
Roof MaterialComposition Shingle
Lot Area11,308 sqft (0.26 acres)
Lot Dimensions111 ft deep x 77 ft wide
Garage TypeAttached
Garage Area483 sqft
Parking Spaces2 Parking Spaces
PorchOpen Porch
Porch Area132 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelGas

Location & Zoning

Account Number880080
Street Address12109 E 46TH TER S
CityINDEPENDENCE
StateMO
Zip64055-5812
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionWEDGEWOOD LOT 142
Legal SubdivisionWEDGEWOOD
Legal Block4
Legal Lot Number142
JurisdictionJACKSON MO
Township / Civil DivisionBLUE
Census Block Group4
Census Block4020
Census Tract12400

Owner

Source: Jackson County records · APN 33-420-17-06

Assessment roll updated September 29, 2025 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address12109 E 46TH TER S, INDEPENDENCE, MO 64055-5812
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Oct 10, 2023Deed of Trust, Mortgage · FHA Mortgage
PENNYMAC LOAN SERVICES LLC
Aug 19, 2020Quit Claim Deed, Transfer · FHA Mortgage
GERSHMAN MTG

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleAug 19, 2020 · Amount on Record
Deed SaleAug 19, 2020 · Amount on Record
Prior SaleJul 14, 2005 · Amount on Record
Deed Document Number2020E73806
Prior Transfer DateAug 14, 2020
Prior Transfer Doc0000E73806
Record UpdatedJun 08, 2026

October 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionJACKSON MO
Property Address12109 E 46TH TER S, INDEPENDENCE, MO 64055-5812
Transaction TypeMortgage
Record UpdatedOct 18, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address12109 E 46TH TER S, INDEPENDENCE, MO 64055-5812

Mortgage

Document Number00E0073449
DateOct 10, 2023
Instrument2023E0073449
Lender
NamePENNYMAC LOAN SERVICES LLC
TypeMortgage Company
AddressWESTLAKE VILLAGE, CA 91361
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueOct 01, 2053

August 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionJACKSON MO
Recording DateAug 19, 2020
Property Address12109 E 46TH TER S, INDEPENDENCE, MO 64055-5812
Document Number0000E73806
Instrument DateAug 14, 2020
Instrument73806E
Transaction TypeTransfer
Record UpdatedSep 10, 2020
Title CompanyFIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Tax$0.00
Additional
  • Quitclaim

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address12109 E 46TH TER S INDEPENDENCE MO 640555812, INDEPENDENCE, MO 64055-5812

Mortgage

Document NumberE73807
DateAug 19, 2020
Instrument73807E
Lender
NameGERSHMAN MTG
TypeMortgage Company
AddressCHESTERFIELD, MO 63017
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueAug 18, 2050

Tax Assessment & Valuation

Source: Jackson County records · Assessment roll updated September 29, 2025 · Last verified April 2026

Property Jurisdictions

TypeName
StateMissouri
CountyJackson County
MunicipalityIndependence City
Unified School DistrictRaytown C-2 School District (PK - 12)

Tax Bill & Assessment History

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.

YearTax BillAssessed ValueAssessed Market Value
2025$32,163 (-30.53%) Land $5,065 Building $27,098$169,280 (-30.53%)
2024$3,708.00 (+0.46%)
2023$3,691.00$46,296 Land $4,036 Building $42,260$243,660

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Jackson County (29095C), updated May 28, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 290950124004, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies1 in force

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 455 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
XfinityCable2,000 / 250
VerizonFixed Wireless300 / 20
T-Mobile USAFixed Wireless100 / 20
AT&TDSL100 / 20

May also be available at this address: Spectrum, Everfast Fiber Networks, Google Fiber, AT&T, Wisper ISP. Availability varies by address; speeds are provider-advertised maximums, not measured.

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