1243 S Main St, Independence, MO 64055 Property Records

Jackson County property record for 1243 S Main St, Independence, MO 64055

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 876 sqft · built 1926
Lot Size	0.1 acres (4,375 sqft)
Owner	Individual Name on File
Last Sale	$135,660 (Dec 2024)
Tax Bill	$772 (2025)
Deeds & Mortgages	Dec 2024 Mortgage Oct 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`26-530-01-14`

Property Details

APN / Parcel Number

Primary APN	`26-530-01-14`
Alternative APNs	`26-530-01-14-00-0-00-000` `26530011400000001` `781595`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	876 sqft Living Area
Gross Area	1,836 sqft
1st Floor Area	876 sqft
Basement Area	784 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1926
Effective Year Built	Effective 1926
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Steel Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	4,375 sqft (0.1 acres)
Lot Dimensions	110 ft deep x 40 ft wide
Garage Type	Attached
Garage Area	176 sqft
Porch	Open Porch
Porch Area	131 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	781595
Street Address	1243 S MAIN ST
City	INDEPENDENCE
State	MO
Zip	64055-1233
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MILLARDS 2ND ADD W 110 OF LOT 4 (EX N 28)
Legal Subdivision	MILLARDS 2ND ADD
Legal Block	1
Legal Lot Number	4
Jurisdiction	JACKSON MO
Township / Civil Division	BLUE
Census Block Group	1
Census Block	1000
Census Tract	12200

Owner

1243 S Main St is owned and occupied by an individual who bought it in December 2024.

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

Owner of Record	Individual Name on File
Mailing Address	1243 S MAIN ST, INDEPENDENCE, MO 64055-1233
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
Dec 2, 2024	Warranty Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO
Oct 16, 2017	Deed of Trust, Mortgage MR COOPER

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 2, 2024 · Amount on File
Deed Sale	Dec 2, 2024 · Amount on File
Prior Sale	Mar 11, 2024 · Amount on File
Deed Document Number	202481744
Record Updated	Oct 29, 2026

December 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON MO
Recording Date	Dec 2, 2024
Property Address	1243 S MAIN ST, INDEPENDENCE, MO 64055-1233
Document Number	00E0081744
Instrument Date	Nov 26, 2024
Instrument	2024E0081744
Transaction Type	Transfer
Record Updated	Oct 16, 2025
Title Company	CONTINENTAL, CONTINENTAL TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1243 S MAIN ST, INDEPENDENCE, MO 64055-1233

Mortgage

Document Number	00E0081992
Date	Dec 2, 2024
Instrument	2024E0081992

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2054

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON MO
Property Address	1243 S MAIN ST, INDEPENDENCE, MO 64055-1233
Document Number	0000E97667
Instrument Date	Oct 16, 2017
Transaction Type	Mortgage
Record Updated	Nov 29, 2017
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1243 S MAIN ST INDEPENDENCE MO 640551233, INDEPENDENCE, MO 64055-1233

Mortgage

Document Number	0000E97667
Date	Oct 27, 2017
Instrument	97667E

Lender

Name	MR COOPER
Address	DALLAS, TX 75019

Agreement

Amount	Amount on Record
Term	360 Months
Due	Oct 26, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 1243 S Main St was $772, down 12.2% 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		$10,804 (-) Land $2,841 Building $7,963	$56,860 (-)
2025	$772.00 (-12.17%)	$10,804 Land $2,841 Building $7,963	$56,860
2024	$879.00 (+2.33%)
2023	$859.00	$12,700 Land $1,026 Building $11,674	$66,840

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 1243 S Main St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1982.

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
Nearby Flood Claims	1 (1982)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 1982 · rainfall accumulation

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

The area around 1243 S Main St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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 509 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Google Fiber, Wisper ISP.

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