1406 N McCoy St, Independence, MO 64050 Property Records

Jackson County property record for 1406 N McCoy St, Independence, MO 64050

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 986 sqft · built 1992
Lot Size	0.257 acres (11,183 sqft)
Owner	Individual Name on File
Last Sale	$238,668 (Oct 2023)
Tax Bill	$1,993 (2025)
Deeds & Mortgages	Oct 2023 Mortgage Feb 2023 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`15-830-08-04`

Property Details

APN / Parcel Number

Primary APN	`15-830-08-04`
Alternative APNs	`15-830-08-04-00-0-00-000` `15830080400000001` `732841`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	986 sqft Living Area
1st Floor Area	944 sqft
Basement Area	944 sqft
Finished Basement	906 sqft
Unfinished Basement	38 sqft
Flooring	Carpet

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	Ranch
Exterior Material	Frame
Construction Type	Steel Frame
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	11,183 sqft (0.257 acres)
Lot Dimensions	134 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	260 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Porch
Porch Area	16 sqft
Deck Area	290 sqft
Patio Area	290 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	732841
Street Address	1406 N MCCOY ST
City	INDEPENDENCE
State	MO
Zip	64050-1708
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OTT & MOORES ADD---LOTS 148 & 149
Legal Subdivision	OTT & MOORES ADD
Legal Block	3
Legal Lot Number	149
Jurisdiction	JACKSON MO
Township / Civil Division	BLUE
Census Block Group	3
Census Block	3007
Census Tract	11200

Owner

1406 N McCoy St is owned and occupied by an individual who bought it in October 2023.

Source: Jackson County records, as of October 19, 2026

Owner of Record	Individual Name on File
Mailing Address	1406 N MCCOY ST, INDEPENDENCE, MO 64050-1708
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
Oct 5, 2023	Warranty Deed, Transfer · Conventional Mortgage LUMINATE HOME LOANS INC
Feb 24, 2023	Beneficiary Deed, Transfer
Dec 27, 2022	Deed of Trust, Mortgage · Line of Credit ARVEST BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 5, 2023 · Amount on File
Deed Sale	Oct 5, 2023 · Amount on File
Prior Sale	Sep 17, 2015
Deed Document Number	202372468
Prior Transfer Date	Feb 23, 2023
Prior Transfer Doc	00E0012318
Record Updated	Oct 29, 2026

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON MO
Recording Date	Oct 5, 2023
Property Address	1406 N MCCOY ST, INDEPENDENCE, MO 64050-1708
Document Number	00E0072468
Instrument Date	Oct 4, 2023
Instrument	2023E0072468
Transaction Type	Transfer
Record Updated	Oct 12, 2023
Title Company	ALLIANCE TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1406 N MCCOY ST, INDEPENDENCE, MO 64050-1708

Mortgage

Document Number	00E0072487
Date	Oct 5, 2023
Instrument	2023E0072487

Lender

Name	LUMINATE HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2053

February 2023: Beneficiary Deed, Transfer

Document Type	Beneficiary Deed
Jurisdiction	JACKSON MO
Recording Date	Feb 24, 2023
Property Address	1406 N MCCOY ST, INDEPENDENCE, MO 64050-1708
Document Number	00E0012318
Instrument Date	Feb 23, 2023
Instrument	2023E0012318
Transaction Type	Transfer
Record Updated	Mar 7, 2023

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3420 S EMERY ST, INDEPENDENCE, MO 64055-2563

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON MO
Property Address	1406 N MCCOY ST, INDEPENDENCE, MO 64050-1708
Transaction Type	Mortgage
Record Updated	Jan 2, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1406 N MCCOY ST, INDEPENDENCE, MO 64050-1708

Mortgage

Document Number	00E0112272
Date	Dec 27, 2022
Instrument	2022E0112272

Lender

Name	ARVEST BANK
Type	Bank
Address	LEES SUMMIT, MO 64086

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Jan 7, 2048

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 1406 N McCoy St was $1,993, down 3.6% 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		$27,890 (-) Land $4,153 Building $23,737	$146,790 (-)
2025	$1,993.00 (-3.58%)	$27,890 Land $4,153 Building $23,737	$146,790
2024	$2,067.00 (+2.33%)
2023	$2,020.00	$29,844 Land $5,727 Building $24,117	$157,070

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

FEMA maps place 1406 N McCoy St in Zone X, an area of minimal flood risk.

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	1 in force

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

Wildfire risk around 1406 N McCoy St is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 67% of the US · lower than 78% of Missouri
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

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 206 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: Wisper ISP.

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