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12805 E McCoy St, Independence, MO 64055 Property Records

Jackson County property record for 12805 E McCoy St, Independence, MO 64055

Property Summary

Property TypeSingle Family Home
Details2 bd · 1 ba · 864 sqft · built 1955
Lot Size0.196 acres (8,524 sqft)
Owner2 Individual Names on Record
Last Sale$193,000 (Jul 2025)
Tax Bill$1,472 (2025)
Deeds & MortgagesJun 2026 Mortgage
Dec 2018 Line of Credit
Flood ZoneZone X (minimal risk)
APN26-940-11-35

Property Details

APN / Parcel Number

Primary APN26-940-11-35
Alternative APNs
  • 26-940-11-35-00-0-00-000
  • 26940113500000001
  • 786909

Interior

Bedrooms2 Beds
Full Baths1 Bath
Plumbing Fixtures5 Plumbing Fixtures
Stories1 Story
Building Area864 sqft Living Area
Gross Area1,992 sqft
1st Floor Area864 sqft
Basement Area864 sqft
FlooringCarpet
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1955
Effective Year BuiltEffective 1955
Architectural StyleRanch
Exterior MaterialWood Siding
Construction TypeSteel Frame
Roof TypeGable
Roof MaterialComposition Shingle
Lot Area8,524 sqft (0.196 acres)
Lot Dimensions125 ft deep x 70 ft wide
Garage TypeAttached
Garage Area264 sqft
Parking Spaces1 Parking Space
PorchOpen Porch
Porch Area24 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelGas

Location & Zoning

Account Number786909
Street Address12805 E MCCOY ST
CityINDEPENDENCE
StateMO
Zip64055-2417
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSANTA FE ACRES LOT 73
Legal SubdivisionSANTA FE ACRES
Legal Block2
Legal Lot Number73
JurisdictionJACKSON MO
Township / Civil DivisionBLUE
Census Block Group2
Census Block2020
Census Tract12200

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 Record2 Individual Names on Record
Mailing Address12805 E MCCOY ST, INDEPENDENCE, MO 64055-2417
OccupancyOwner Occupied
Owner TypeIndividual
VestingMarried Couple

Deeds, Mortgages & Sale History

DateDocument
Jun 22, 2026Deed of Trust, Mortgage · FHA Mortgage
PLANET HOME LENDING
Dec 14, 2018Deed of Trust, Mortgage · Line of Credit
COMMERCIAL BK/OAK GROVE

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJul 1, 2025 · Amount on Record
Deed SaleJul 1, 2025 · Amount on Record
Prior SaleNov 14, 2007
Deed Document Number202545709
Prior Transfer DateDec 22, 2015
Prior Transfer Doc000E115158
Record UpdatedOct 29, 2026

June 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionJACKSON MO
Recording DateJun 22, 2026
Property Address12805 E MCCOY ST, INDEPENDENCE, MO 64055-2417
Document Number0000045884
Instrument DateJun 12, 2026
Instrument202645884
Transaction TypeMortgage
Record UpdatedJul 12, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

NameVerified Name
Address12805 E MCCOY ST, INDEPENDENCE, MO 64055-2417

Mortgage

Document Number0000045884,
DateJun 22, 2026
Instrument202645884
Lender
NamePLANET HOME LENDING
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueJul 1, 2056
Interest
Rate6.36%
Max Rate-1%

December 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionJACKSON MO
Property Address12805 E MCCOY ST, INDEPENDENCE, MO 64055-2417
Document Number000E110600
Instrument DateDec 14, 2018
Transaction TypeMortgage
Record UpdatedMay 17, 2019
Title CompanySTEWART TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
AddressPO BOX 1183 INDEPENDENCE MO 640510683, INDEPENDENCE, MO 64051-0683

Mortgage

Document Number000E110600
DateDec 31, 2018
Instrument110600E
Lender
NameCOMMERCIAL BK/OAK GROVE
TypeBank
AddressOAK GROVE, MO 64075
Agreement
TypeLine of Credit
AmountAmount Recorded
Term120 Months
DueDec 30, 2028
Interest
Rate TypeAdjustable Rate

Tax Assessment & Valuation

Source: Jackson County assessment roll, as of August 24, 2026

Property Jurisdictions

TypeName
StateMissouri
CountyJackson County
MunicipalityIndependence City
Unified School DistrictIndependence 30 School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$20,603 (-) Land $3,929 Building $16,674$108,440 (-)
2025$1,472.00 (+1.73%)$20,603 (-1.39%) Land $3,929 Building $16,674$108,440 (-1.39%)
2024$1,447.00 (+2.33%)
2023$1,414.00$20,894 Land $2,871 Building $18,023$109,970

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

Source: FEMA National Flood Hazard Layer, effective May 28, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies6 in force
Nearby Flood Claims5 (1982–2017)
Claims Outside the SFHA5 of 5
Most Recent ClaimAug 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 RiskLow
lower than 99.1% of the US · lower than 98.2% of Missouri
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemINDEPENDENCE PWS
serves 120,000 people · EPA ID MO1010399
Water SourceGroundwater
Last State InspectionMay 2024
Lead1 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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

ProviderMax 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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