12705 E McCoy St, Independence, MO 64055 Property Records

Jackson County property record for 12705 E McCoy St, Independence, MO 64055

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 888 sqft · built 1955
Lot Size	0.206 acres (8,953 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,490 (2025)
Deeds & Mortgages	Oct 2025 Second Mortgage Aug 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`26-940-11-40`

Property Details

APN / Parcel Number

Primary APN	`26-940-11-40`
Alternative APNs	`26-940-11-40-00-0-00-000` `26940114000000001` `786914`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	888 sqft Living Area
Gross Area	2,064 sqft
1st Floor Area	888 sqft
Basement Area	888 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Steel Frame
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	8,953 sqft (0.206 acres)
Lot Dimensions	124 ft deep x 60 ft wide
Garage Type	Attached
Garage Area	288 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	24 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	786914
Street Address	12705 E MCCOY ST
City	INDEPENDENCE
State	MO
Zip	64055-2415
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SANTA FE ACRES LOT 78
Legal Subdivision	SANTA FE ACRES
Legal Block	2
Legal Lot Number	78
Jurisdiction	JACKSON MO
Township / Civil Division	BLUE
Census Block Group	2
Census Block	2020
Census Tract	12200

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	12705 E MCCOY ST, INDEPENDENCE, MO 64055-2415
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Oct 3, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU
Aug 31, 2021	Deed of Trust, Mortgage · VA Mortgage COMMERCE BANK
Aug 24, 2021	Warranty Deed, Transfer NOT AVAILABLE, ALPHA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 24, 2021
Deed Sale	Aug 24, 2021
Prior Sale	Apr 2, 2013 · Amount on Record
Deed Document Number	2021E93088
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON MO
Property Address	12705 E MCCOY ST, INDEPENDENCE, MO 64055-2415
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12705 E MCCOY ST, INDEPENDENCE, MO 64055-2415

Mortgage

Document Number	00E0073796
Date	Oct 3, 2025
Instrument	2025E0073796

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Oct 1, 2035

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON MO
Property Address	12705 E MCCOY ST, INDEPENDENCE, MO 64055-2415
Transaction Type	Mortgage
Record Updated	Jan 19, 2023
Title Company	STEWART TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1361 BAKER DR, INDEPENDENCE, MO 64050-4198

Mortgage

Document Number	00E0095891
Date	Aug 31, 2021
Instrument	2021E0095891

Lender

Name	COMMERCE BANK
Type	Bank
Address	KANSAS CITY, MO 64106

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON MO
Recording Date	Aug 24, 2021
Property Address	12705 E MCCOY ST, INDEPENDENCE, MO 64055-2415
Document Number	00E0093088
Instrument Date	Aug 20, 2021
Instrument	2021E0093088
Transaction Type	Transfer
Record Updated	Sep 15, 2021
Title Company	NOT AVAILABLE, ALPHA

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	12705 E MCCOY ST, INDEPENDENCE, MO 64055-2415

Tax Assessment & Valuation

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		$20,855 (-) Land $4,000 Building $16,855	$109,760 (-)
2025	$1,490.00 (-27.28%)	$20,855 (-29.49%) Land $4,000 Building $16,855	$109,760 (-29.5%)
2024	$2,049.00 (+2.35%)
2023	$2,002.00	$29,579 Land $4,159 Building $25,420	$155,680

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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	6 in force
Nearby Flood Claims	5 (1982–2017)
Claims Outside the SFHA	5 of 5
Most Recent Claim	Aug 2017 · river or lake flooding

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

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 428 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL	5,000 / 5,000
Xfinity Cable	2,000 / 250

May also be available: Wisper ISP.

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