Jackson County property record for 18605 E 28th Ter S, Independence, MO 64057
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,232 sqft · built 1977 |
| Lot Size | 0.253 acres (11,029 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $226,900 (Nov 2021) |
| Tax Bill | $3,245 (2024) |
| Deeds & Mortgages | Nov 2021 Mortgage Dec 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 25-820-15-03 |
| Primary APN | 25-820-15-03 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,232 sqft Living Area |
| 1st Floor Area | 800 sqft |
| Basement Area | 1,072 sqft |
| Flooring | Carpet |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1977 |
|---|---|
| Effective Year Built | Effective 1977 |
| Architectural Style | Split Level |
| Exterior Material | Brick/Stone |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 11,029 sqft (0.253 acres) |
| Garage Type | Attached |
| Garage Area | 840 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 97 sqft |
| Deck Area | 520 sqft |
| Patio Area | 264 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 772291 |
|---|---|
| Street Address | 18605 E 28TH TER S |
| City | INDEPENDENCE |
| State | MO |
| Zip | 64057-1607 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CASTLE WOODS LOT 103 |
| Legal Subdivision | CASTLEWOODS |
| Legal Block | 3 |
| Legal Lot Number | 103 |
| Jurisdiction | JACKSON MO |
| Township / Civil Division | BLUE |
| Census Block Group | 3 |
| Census Block | 3016 |
| Census Tract | 14702 |
Source: Jackson County records · APN 25-820-15-03
Assessment roll updated September 29, 2025 · Last verified April 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 File |
|---|---|
| Mailing Address | 18605 E 28TH TER S, INDEPENDENCE, MO 64057-1607 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 09, 2021 | Warranty Deed, Transfer · FHA Mortgage LUMINATE HOME LOANS INC |
| Dec 28, 2020 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MTG |
| Jul 16, 2019 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MTG |
| Jun 02, 2017 | Warranty Deed, Transfer · FHA Mortgage PRIME LNDG |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 09, 2021 · Amount on Record |
| Deed Sale | Nov 09, 2021 · Amount on Record |
| Prior Sale | Jun 02, 2017 |
| Deed Document Number | 2021E123728 |
| Prior Transfer Date | Jul 11, 2011 |
| Prior Transfer Doc | 0000E68111 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | JACKSON MO |
| Recording Date | Nov 09, 2021 |
| Property Address | 18605 E 28TH TER S, INDEPENDENCE, MO 64057-1607 |
| Document Number | 00E0123728 |
| Instrument Date | Nov 03, 2021 |
| Instrument | 2021E0123728 |
| Transaction Type | Transfer |
| Record Updated | Aug 15, 2023 |
| Title Company | CONTINENTAL, CONTINENTAL TITLE CO |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 18605 E 28TH TER S, INDEPENDENCE, MO 64057-1607 |
| Document Number | 00E0123729 |
|---|---|
| Date | Nov 09, 2021 |
| Instrument | 2021E0123729 |
| Name | LUMINATE HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JACKSON MO |
| Property Address | 18605 E 28TH TER S, INDEPENDENCE, MO 64057-1607 |
| Document Number | 0000E01582 |
| Instrument Date | Dec 28, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Mar 15, 2021 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 18605 E 28TH TER S INDEPENDENCE MO 640571607, INDEPENDENCE, MO 64057-1607 |
| Document Number | 0000E01582 |
|---|---|
| Date | Jan 06, 2021 |
| Instrument | 1582E |
| Name | FREEDOM MTG |
|---|---|
| Type | Mortgage Company |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 336 Months |
| Due | Jan 05, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | JACKSON MO |
| Property Address | 18605 E 28TH TER S, INDEPENDENCE, MO 64057-1607 |
| Document Number | 0000E57214 |
| Instrument Date | Jul 16, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Aug 23, 2019 |
| Title Company | INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 18605 E 28TH TER S INDEPENDENCE MO 640571607, INDEPENDENCE, MO 64057-1607 |
| Document Number | 0000E57214 |
|---|---|
| Date | Jul 24, 2019 |
| Instrument | 57214E |
| Name | FREEDOM MTG |
|---|---|
| Type | Mortgage Company |
| Address | SAINT LOUIS, MO 63005 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 23, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | JACKSON MO |
| Recording Date | Jun 02, 2017 |
| Property Address | 18605 E 28TH TER S, INDEPENDENCE, MO 64057-1607 |
| Document Number | 0000E49400 |
| Instrument Date | May 30, 2017 |
| Instrument | 49400E |
| Transaction Type | Transfer |
| Record Updated | Jul 07, 2017 |
| Title Company | CONTINENTAL, CONTINENTAL TITLE COMPANY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 18605 E 28TH TEN S INDEPENDENCE MO 64057, INDEPENDENCE, MO 64057 |
| Document Number | E49735 |
|---|---|
| Date | Jun 02, 2017 |
| Instrument | 49735E |
| Name | PRIME LNDG |
|---|---|
| Address | DALLAS, TX 75252 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 01, 2047 |
Source: Jackson County records · Assessment roll updated September 29, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Missouri |
| County | Jackson County |
| Municipality | Independence City |
| Unified School District | Independence 30 School District (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $51,511 (+9.97%) Land $6,506 Building $45,005 | $271,110 (+9.97%) | |
| 2024 | $3,245.00 (+2.33%) | ||
| 2023 | $3,171.00 (+10.22%) | $46,839 (+20.25%) Land $4,361 Building $42,478 | $246,520 (+20.25%) |
| 2022 | $2,877.00 | $38,951 Land $3,943 Building $35,008 | |
| 2021 | $205,000 |
Source: FEMA National Flood Hazard Layer as of May 28, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| Nearby Flood Claims | 1 (1999) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Jun 1999 · river or lake flooding |
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Google Fiber Fiber | 8,000 / 8,000 |
| 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 USA Fixed Wireless | 100 / 20 |
May also be available: Wisper ISP.
Based on FCC filings for 533 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | INDEPENDENCE PWS serves 120,000 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | May 2024 |
| Lead | 1 ppb (2023–2025) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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