18204 Cliff Dr, Independence, MO 64055 Property Records

Jackson County property record for 18204 Cliff Dr, Independence, MO 64055

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,727 sqft · built 1986
Lot Size	0.68 acres (29,634 sqft)
Owner	Individual Name on Record
Last Sale	$279,527 (Dec 2023)
Tax Bill	$5,442 (2025)
Deeds & Mortgages	Sep 2026 Transfer Sep 2026 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`34-530-02-18`

Property Details

APN / Parcel Number

Primary APN	`34-530-02-18`
Alternative APNs	`34-530-02-18-00-0-00-000` `34530021800000001` `887572`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	12 Plumbing Fixtures
Stories	1 Story
Building Area	2,727 sqft Living Area
1st Floor Area	1,362 sqft
Basement Area	1,625 sqft
Finished Basement	945 sqft
Unfinished Basement	680 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Cape Cod
Exterior Material	Frame/Masonry
Construction Type	Concrete
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	29,634 sqft (0.68 acres)
Lot Dimensions	100 ft deep x 1 ft wide
Garage Type	Attached
Garage Area	500 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	84 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	887572
Street Address	18204 CLIFF DR
City	INDEPENDENCE
State	MO
Zip	64055-6911
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	THE CLIFFS LOT 4
Legal Subdivision	THE CLIFFS
Legal Block	3
Legal Lot Number	4
Jurisdiction	JACKSON MO
Township / Civil Division	BLUE
Census Block Group	3
Census Block	3003
Census Tract	14504

Owner

Source: Jackson County records, as of October 8, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	18204 CLIFF DR, INDEPENDENCE, MO 64055-6911
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Sep 14, 2026	Transfer on Death Deed, Transfer NONE LISTED ON DOCUMENT
Sep 1, 2026	Deed of Trust, Mortgage · FHA Mortgage WATERSTONE MORTGAGE CORPORATION
Dec 28, 2023	Warranty Deed, Transfer · FHA Mortgage WATERSTONE MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 28, 2023 · Amount on Record
Deed Sale	Dec 28, 2023 · Amount on Record
Prior Sale	May 9, 2006 · Amount on Record
Deed Document Number	202391906
Last Transfer Date	Sep 2, 2026
Transfer Doc	0000069158
Record Updated	Oct 29, 2026

September 2026: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	JACKSON MO
Recording Date	Sep 14, 2026
Property Address	18204 CLIFF DR, INDEPENDENCE, MO 64055-6911
Document Number	0000069158
Instrument Date	Sep 2, 2026
Instrument	202669158
Transaction Type	Transfer
Record Updated	Oct 8, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18204 CLIFF DR, INDEPENDENCE, MO 64055-6911
Investor	Possibly a Property Investor

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON MO
Recording Date	Sep 1, 2026
Property Address	18204 CLIFF DR, INDEPENDENCE, MO 64055-6911
Document Number	0000066507
Instrument Date	Aug 26, 2026
Instrument	202666507
Transaction Type	Mortgage
Record Updated	Sep 14, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18204 CLIFF DR, INDEPENDENCE, MO 64055-6911
Investor	Possibly a Property Investor

Mortgage

Document Number	0000066507,
Date	Sep 1, 2026
Instrument	202666507

Lender

Name	WATERSTONE MORTGAGE CORPORATION

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Max Rate	-1%

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON MO
Recording Date	Dec 28, 2023
Property Address	18204 CLIFF DR, INDEPENDENCE, MO 64055-6911
Document Number	00E0091906
Map Reference	DOC I-643474
Instrument Date	Dec 22, 2023
Instrument	2023E0091906
Transaction Type	Transfer
Record Updated	Jan 9, 2024
Title Company	SECURITY FIRST TITLE, SECURITY FRIST TTLE

Transaction

Tax	$0.00
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18204 CLIFF DR, INDEPENDENCE, MO 64055-6911
Investor	Possibly a Property Investor

Mortgage

Document Number	00E0091907
Date	Dec 28, 2023
Instrument	2023E0091907

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2054

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	Blue Springs R-IV School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$76,889 (-) Land $11,571 Building $65,318	$404,680 (-)
2025	$5,442.00 (-13.33%)	$76,889 (-16.01%) Land $11,571 Building $65,318	$404,680 (-16.01%)
2024	$6,279.00 (+2.11%)
2023	$6,149.00	$91,544 Land $14,419 Building $77,125	$481,810

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	2 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

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 58 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
Verizon Fixed Wireless	300 / 20

May also be available: Wisper ISP.

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