2004 S Osage St, Independence, MO 64055 Property Records

Jackson County property record for 2004 S Osage St, Independence, MO 64055

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,749 sqft · built 1947
Lot Size	0.565 acres (24,591 sqft)
Owner	2 Individual Names on File
Last Sale	$95,800 (Jul 2001)
Tax Bill	$2,388 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Feb 2024 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`26-820-03-65-01`

Property Details

APN / Parcel Number

Primary APN	`26-820-03-65-01`
Alternative APNs	`26-820-03-65-01-0-00-000` `26820036501000001` `785157`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,749 sqft Living Area
Gross Area	3,414 sqft
1st Floor Area	1,749 sqft
Basement Area	1,665 sqft
Flooring	Carpet

Exterior

Year Built	Built 1947
Effective Year Built	Effective 1965
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Steel Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	24,591 sqft (0.565 acres)

Exterior Amenities

Porch	Open Porch
Porch Area	39 sqft
Deck Area	20 sqft
Patio Area	20 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	785157
Street Address	2004 S OSAGE ST
City	INDEPENDENCE
State	MO
Zip	64055-1256
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WILSON ESTATES LOTS 1-13 INCL PT LOT 5 DAF: BEG NW COR SD LO T TH SELY ALG NLY LI SD LOT & ALG ROW S OSAGE ST 179.32 TH S 26 DEG W ALG ELY LI SD LOT 155.03 TH N 54 DEG W 200.95 T
Legal Subdivision	WILSON ESTATES
Legal Block	1
Legal Lot Number	5
Jurisdiction	JACKSON MO
Township / Civil Division	BLUE
Census Block Group	1
Census Block	1022
Census Tract	12200

Owner

2004 S Osage St is owned and occupied by two individuals who bought it in July 2001.

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

Owner of Record	2 Individual Names on File
Mailing Address	2004 S OSAGE ST, INDEPENDENCE, MO 64055-1256
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
Apr 6, 2026	Deed of Trust, Mortgage · Conventional Mortgage FIRST MIDAMERICA CREDIT UNION
Feb 7, 2024	Deed of Trust, Mortgage · Line of Credit 1ST MIDAMERICA CU
Dec 8, 2020	Deed of Trust, Mortgage 1ST MIDAMERICA CU
Nov 7, 2019	Deed of Trust, Mortgage · Line of Credit 1ST MIDAMERICA CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 20, 2001 · Amount on File
Deed Sale	Jul 20, 2001 · Amount on File
Prior Sale	Aug 28, 1996 · Amount on File
Deed Document Number	200156560
Prior Transfer Date	Aug 14, 1996
Prior Transfer Doc	0000000187
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON MO
Recording Date	Apr 6, 2026
Property Address	2004 S OSAGE ST, INDEPENDENCE, MO 64055-1256
Document Number	00E0024784
Instrument Date	Apr 1, 2026
Instrument	202624784
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2004 S OSAGE ST, INDEPENDENCE, MO 64055-1256

Mortgage

Document Number	0000024784,
Date	Apr 6, 2026
Instrument	202624784

Lender

Name	FIRST MIDAMERICA CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6%
Initial Type	Fixed Rate
Max Rate	-1%

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON MO
Property Address	2004 S OSAGE ST, INDEPENDENCE, MO 64055-1256
Transaction Type	Mortgage
Record Updated	Feb 14, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2004 S OSAGE ST, INDEPENDENCE, MO 64055-1256

Mortgage

Document Number	00E0008157
Date	Feb 7, 2024
Instrument	2024E0008157

Lender

Name	1ST MIDAMERICA CU
Type	Credit Union
Address	INDEPENDENCE, MO 64055

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Feb 6, 2039

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON MO
Property Address	2004 S OSAGE ST, INDEPENDENCE, MO 64055-1256
Document Number	0000E08873
Instrument Date	Dec 8, 2020
Transaction Type	Mortgage
Record Updated	Mar 17, 2021
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2004 S OSAGE ST INDEPENDENCE MO 640551256, INDEPENDENCE, MO 64055-1256

Mortgage

Document Number	0000E08873
Date	Jan 26, 2021
Instrument	8873E

Lender

Name	1ST MIDAMERICA CU
Type	Credit Union
Address	BETHALTO, IL 62010

Agreement

Amount	Amount on Record
Term	120 Months
Due	Jan 25, 2031

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON MO
Property Address	2004 S OSAGE ST, INDEPENDENCE, MO 64055-1256
Document Number	0000E97128
Instrument Date	Nov 7, 2019
Transaction Type	Mortgage
Record Updated	Dec 24, 2019
Title Company	ASSURED QUALITY TITLE COMPANY, ASSURED QUALITY TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2004 S OSAGE ST INDEPENDENCE MO 640551256, INDEPENDENCE, MO 64055-1256

Mortgage

Document Number	0000E97128
Date	Nov 25, 2019
Instrument	97128E

Lender

Name	1ST MIDAMERICA CU
Type	Credit Union
Address	INDEPENDENCE, MO 64055

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Nov 24, 2029

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 2004 S Osage St was $2,388, down 12.2% 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	Independence 30 School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$33,420 (-) Land $4,608 Building $28,812	$175,890 (-)
2025	$2,388.00 (-12.24%)	$33,420 Land $4,608 Building $28,812	$175,890
2024	$2,721.00 (+2.33%)
2023	$2,659.00	$39,284 Land $2,164 Building $37,120	$206,760

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 2004 S Osage St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1982.

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
Nearby Flood Claims	1 (1982)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 1982 · rainfall accumulation

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

Wildfire risk around 2004 S Osage St is low, with less than 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 97% of the US · lower than 95% 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 249 locations within half a mile, as of December 31, 2025

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
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon, Wisper ISP.

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