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186 Oak Hill Cluster, Independence, MO 64057 Property Records

Jackson County property record for 186 Oak Hill Cluster, Independence, MO 64057

Property Summary

Property TypeTownhouse
Details3 bd · 1.5 ba · 1,612 sqft · built 1978
Lot Size0.046 acres (1,998 sqft)
Owner2 Individual Names on File
Last Sale$89,600 (Jul 2021)
Tax Bill$1,885 (2025)
Deeds & MortgagesJul 2021 Mortgage
Dec 2018 Transfer
Flood ZoneZone X (minimal risk)
APN24-640-02-40

Property Details

APN / Parcel Number

Primary APN24-640-02-40
Alternative APNs
  • 24-640-02-40-00-0-00-000
  • 24640024000000001
  • 766962

Interior

Bedrooms3 Beds
Full Baths1.5 Baths
Half Baths1 Half Bath
Plumbing Fixtures7 Plumbing Fixtures
Stories2 Stories
Building Area1,612 sqft Living Area
1st Floor Area575 sqft
Basement Area775 sqft
FlooringCarpet

Exterior

Year BuiltBuilt 1978
Effective Year BuiltEffective 1978
Architectural StyleTownhouse
Exterior MaterialWood Siding
Construction TypeConcrete
Roof TypeGable
Roof MaterialComposition Shingle
Lot Area1,998 sqft (0.046 acres)
Garage TypeAttached
Garage Area250 sqft
Parking Spaces1 Parking Space

Exterior Amenities

PorchOpen Porch
Porch Area36 sqft
Deck Area300 sqft
Patio Area209 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelGas

Location & Zoning

Account Number766962
Street Address186 OAK HILL CLUSTER
CityINDEPENDENCE
StateMO
Zip64057-9501
Property CategoryResidential
Property TypeResidential > Condominium / Townhouse > Townhouse
Legal DescriptionHARVEST HILLS 2ND PLAT PT OF BLK C DAF: BEG AT A PT ON W LI SD BLK C 114.4 S OF NW COR TH N ALG SD W LI 25.45 TH N 77 DEG E 74.75 TH S 13 DEG E ALG ELY LI BLK C 24.8 TH S 77 DE
Legal SubdivisionHARVEST HILLS 2ND PLAT
Legal BlockC
JurisdictionJACKSON MO
Township / Civil DivisionSNI-A-BAR
Census Block Group1
Census Block1027
Census Tract14804

Owner

186 Oak Hill Cluster, a townhouse, is owned and occupied by two individuals who bought it in July 2021.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record2 Individual Names on File
Mailing Address186 OAK HILL CLUSTER, INDEPENDENCE, MO 64057-9501
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jul 13, 2021Warranty Deed, Transfer · FHA Mortgage
SUMMIT FUNDING INC
Dec 28, 2018Quit Claim Deed, Transfer
NOT AVAILABLE

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJul 13, 2021 · Amount on File
Deed SaleJul 13, 2021 · Amount on File
Deed Document Number2021E76563
Prior Transfer DateNov 16, 2018
Prior Transfer Doc000E109843
Record UpdatedOct 29, 2026

July 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionJACKSON MO
Recording DateJul 13, 2021
Property Address186 OAK HILL CLUSTER, INDEPENDENCE, MO 64057-9501
Document Number00E0076563
Instrument DateJul 12, 2021
Instrument2021E0076563
Transaction TypeTransfer
Record UpdatedOct 12, 2023
Title CompanyCONTINENTAL, CONTINENTAL TITLE CO

Transaction

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

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address186 OAK HILL CLUSTER, INDEPENDENCE, MO 64057-9501

Mortgage

Document Number00E0076564
DateJul 13, 2021
Instrument2021E0076564
Lender
NameSUMMIT FUNDING INC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term181 Months
DueAug 1, 2036

December 2018: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionJACKSON MO
Recording DateDec 28, 2018
Property Address186 OAK HILL CLUSTER, INDEPENDENCE, MO 64057-9501
Document Number000E109843
Instrument DateNov 16, 2018
Instrument109843E
Transaction TypeTransfer
Record UpdatedMay 17, 2019
Title CompanyNOT AVAILABLE

Transaction

Tax$0.00
Additional
  • Quitclaim

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address186 OAK HILL CLUSTER INDEPENDENCE MO 640579501, INDEPENDENCE, MO 64057-9501

Tax Assessment & Valuation

The 2025 property tax bill for 186 Oak Hill Cluster was $1,885, down 17.3% from the year before.

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

Property Jurisdictions

TypeName
StateMissouri
CountyJackson County
MunicipalityIndependence City
Unified School DistrictBlue Springs R-IV School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$26,634 (-) Land $7,997 Building $18,637$140,180 (-)
2025$1,885.00 (-17.32%)$26,634 Land $7,997 Building $18,637$140,180
2024$2,280.00 (+2.1%)
2023$2,233.00$33,250 Land $3,800 Building $29,450$175,000

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 186 Oak Hill Cluster in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective May 28, 2025

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 186 Oak Hill Cluster is low, with a 0.03% annual chance of wildfire.

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

Wildfire RiskLow
lower than 80% of the US · lower than 84% of Missouri
Wildfire Likelihood0.03% annual chance
ExposureDirect
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 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 27 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 250
Wisper ISP
Fixed Wireless		400 / 30
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20
AT&T
Fixed Wireless · DSL in parts of the area		100 / 20

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