15812 E 3rd Terrace Ct S, Independence, MO 64050 Property Records

Jackson County property record for 15812 E 3rd Terrace Ct S, Independence, MO 64050

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,156 sqft · built 1999
Lot Size	0.167 acres (7,270 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,297 (2025)
Deeds & Mortgages	Aug 2022 Second Mortgage Feb 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`15-740-13-76`

Property Details

APN / Parcel Number

Primary APN	`15-740-13-76`
Alternative APNs	`15-740-13-76-00-0-00-000` `15740137600000001` `732280`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,156 sqft Living Area
1st Floor Area	1,148 sqft
Basement Area	1,148 sqft
Finished Basement	742 sqft
Unfinished Basement	406 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Ranch
Exterior Material	Wood Siding
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	7,270 sqft (0.167 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	16 sqft
Deck Area	Deck Area
Patio Area	204 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	732280
Street Address	15812 E 3RD TERRACE CT S
City	INDEPENDENCE
State	MO
Zip	64050-3382
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	THREE TRAILS 5TH PLAT LOT 102
Legal Subdivision	THREE TRAILS 5TH PLAT
Legal Block	1
Legal Lot Number	102
Jurisdiction	JACKSON MO
Township / Civil Division	BLUE
Census Block Group	1
Census Block	1014
Census Tract	11410

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	15812 E 3RD TERRACE CT S, INDEPENDENCE, MO 64050-3382
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 18, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage COMMERCE BANK
Feb 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage ENDEAVOR CAPITAL LLC
Aug 8, 2018	Deed of Trust, Mortgage ENDEAVOR CAP
Aug 8, 2018	Deed of Trust, Mortgage ENDEAVOR CAP

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON MO
Property Address	15812 E 3RD TERRACE CT S, INDEPENDENCE, MO 64050-3382
Transaction Type	Mortgage
Record Updated	Aug 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15812 E 3RD TERRACE CT S, INDEPENDENCE, MO 64050-3382

Mortgage

Document Number	00E0077570
Date	Aug 18, 2022
Instrument	2022E0077570

Lender

Name	COMMERCE BANK
Type	Bank
Address	KANSAS CITY, MO 64106

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	83 Months
Due	Jul 28, 2029

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON MO
Property Address	15812 E 3RD TERRACE CT S, INDEPENDENCE, MO 64050-3382
Transaction Type	Mortgage
Record Updated	Mar 22, 2021
Title Company	CLEAR TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00E0016338
Date	Feb 16, 2021
Instrument	2021E0016338

Lender

Name	ENDEAVOR CAPITAL LLC
Type	Mortgage Company
Address	CHESTERFIELD, MO 63017

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	157 Months
Due	Mar 1, 2034

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON MO
Property Address	15812 E 3RD TERRACE CT S, INDEPENDENCE, MO 64050-3382
Document Number	0000E73787
Instrument Date	Aug 8, 2018
Transaction Type	Mortgage
Record Updated	Jan 15, 2019
Title Company	CLEAR TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	15812 E 3RD TERRACE CT S INDEPENDENCE MO 640503382, INDEPENDENCE, MO 64050-3382

Mortgage

Document Number	0000E73787
Date	Aug 22, 2018
Instrument	73787E

Lender

Name	ENDEAVOR CAP
Type	Funding / Finance Company
Address	CHESTERFIELD, MO 63017

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Aug 21, 2033

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON MO
Property Address	15812 E 3RD TERRACE CT S, INDEPENDENCE, MO 64050-3382
Document Number	0000E71339
Instrument Date	Aug 8, 2018
Transaction Type	Mortgage
Record Updated	Sep 3, 2018
Title Company	CLEAR TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	15812 E 3RD TERRACE CT S INDEPENDENCE MO 640503382, INDEPENDENCE, MO 64050-3382

Mortgage

Document Number	0000E71339
Date	Aug 15, 2018
Instrument	71339E

Lender

Name	ENDEAVOR CAP
Type	Funding / Finance Company
Address	CHESTERFIELD, MO 63017

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Aug 14, 2033

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		$46,140 (-) Land $3,479 Building $42,661	$242,840 (-)
2025	$3,297.00 (+11.01%)	$46,140 (+7.62%) Land $3,479 Building $42,661	$242,840 (+7.62%)
2024	$2,970.00 (+2.34%)
2023	$2,902.00	$42,872 Land $5,022 Building $37,850	$225,640

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 80% of the US · lower than 84% 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 220 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon, Wisper ISP.

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