19204 E 12th Ter Ct N, Independence, MO 64056 Property Records

Jackson County property record for 19204 E 12th Ter Ct N, Independence, MO 64056

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,056 sqft · built 1983
Lot Size	0.248 acres (10,810 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,439 (2025)
Deeds & Mortgages	Dec 2022 Mortgage Jun 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`16-510-15-07`

Property Details

APN / Parcel Number

Primary APN	`16-510-15-07`
Alternative APNs	`16-510-15-07-00-0-00-000` `16510150700000001` `737853`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Stories	1 Story
Building Area	1,056 sqft Living Area
1st Floor Area	432 sqft
Basement Area	1,008 sqft
Flooring	Carpet

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Steel Frame
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	10,810 sqft (0.248 acres)
Porch	Open Porch
Porch Area	20 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	737853
Street Address	19204 E 12TH TERRACE CT N
City	INDEPENDENCE
State	MO
Zip	64056-1201
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OSAGE VILLAGE 4TH LOT 176
Legal Subdivision	OSAGE VILLAGE 4TH PLAT
Legal Block	4
Legal Lot Number	176
Jurisdiction	JACKSON MO
Township / Civil Division	BLUE
Census Block Group	4
Census Block	4003
Census Tract	17700

Owner

19204 E 12th Ter Ct N is owned and occupied by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	19204 E 12TH TERRACE CT N, INDEPENDENCE, MO 64056-1201
Occupancy	Owner Occupied
Owner Type	Individual

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
Dec 12, 2022	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Jun 3, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Jul 9, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MTG
Oct 3, 2019	Deed of Trust, Mortgage · VA Mortgage FREEDOM MTG
Feb 21, 2018	Deed of Trust, Mortgage · VA Mortgage NEW DAY FIN'L

Assessor's Deed Record

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

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON MO
Property Address	19204 E 12TH TERRACE CT N, INDEPENDENCE, MO 64056-1201
Transaction Type	Mortgage
Record Updated	Dec 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	19204 E 12TH TERRACE CT N, INDEPENDENCE, MO 64056-1201

Mortgage

Document Number	00E0108860
Date	Dec 12, 2022
Instrument	2022E0108860

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	342 Months
Due	Jun 1, 2051

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON MO
Property Address	19204 E 12TH TERRACE CT N, INDEPENDENCE, MO 64056-1201
Transaction Type	Mortgage
Record Updated	Jun 23, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00E0060534
Date	Jun 3, 2021
Instrument	2021E0060534

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2051

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON MO
Property Address	19204 E 12TH TERRACE CT N, INDEPENDENCE, MO 64056-1201
Document Number	0000E61843
Instrument Date	Jul 9, 2020
Transaction Type	Mortgage
Record Updated	Aug 12, 2020
Title Company	INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	19204 E 12TH TERRACE CT N INDEPENDENCE MO 640561201, INDEPENDENCE, MO 64056-1201

Mortgage

Document Number	0000E61843
Date	Jul 20, 2020
Instrument	61843E

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	ST LOUIS, MO 63005

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 19, 2050

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON MO
Property Address	19204 E 12TH TERRACE CT N, INDEPENDENCE, MO 64056-1201
Document Number	0000E82411
Instrument Date	Oct 3, 2019
Transaction Type	Mortgage
Record Updated	Nov 1, 2019
Title Company	INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	19204 E 12TH TERRACE CT N INDEPENDENCE MO 640561201, INDEPENDENCE, MO 64056-1201

Mortgage

Document Number	0000E82411
Date	Oct 10, 2019
Instrument	82411E

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	ST LOUIS, MO 63005

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 9, 2049

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON MO
Property Address	19204 E 12TH TERRACE CT N, INDEPENDENCE, MO 64056-1201
Document Number	0000E15508
Instrument Date	Feb 21, 2018
Transaction Type	Mortgage
Record Updated	Mar 8, 2018
Title Company	AMC SETTLEMENT SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	19204 E 12TH TERRACE CT N INDEPENDENCE MO 640561201, INDEPENDENCE, MO 64056-1201

Mortgage

Document Number	0000E15508
Date	Feb 26, 2018
Instrument	15508E

Lender

Name	NEW DAY FIN'L
Type	Funding / Finance Company
Address	FULTON, MD 20759

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 25, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 19204 E 12th Ter Ct N was $2,439, down 15.4% 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	Fort Osage R-I School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$29,900 (-) Land $6,604 Building $23,296	$157,370 (-)
2025	$2,439.00 (-15.4%)	$29,900 Land $6,604 Building $23,296	$157,370
2024	$2,883.00 (+0.49%)
2023	$2,869.00	$36,309 Land $6,251 Building $30,058	$191,100

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 19204 E 12th Ter Ct N in Zone X, an area of minimal flood risk.

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

Wildfire risk around 19204 E 12th Ter Ct N is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 96% of the US · lower than 94% of Missouri
Wildfire Likelihood	0.01% 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 401 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250

May also be available: Verizon, Wisper ISP.

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