20816 E 13th Ter S, Independence, MO 64057 Property Records

Jackson County property record for 20816 E 13th Ter S, Independence, MO 64057 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,648 sqft · built 1966
Lot Size	0.205 acres (8,938 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,934 (2024)
Deeds & Mortgages	Sep 2021 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`25-140-05-15`

Property Details

APN / Parcel Number

Primary APN	`25-140-05-15`
Alternative APNs	`25-140-05-15-00-0-00-000` `25140051500000001` `768787`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,648 sqft Living Area
Gross Area	2,660 sqft
1st Floor Area	1,192 sqft
Basement Area	912 sqft
Finished Basement	456 sqft
Unfinished Basement	456 sqft
Flooring	Carpet

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Steel Frame
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	8,938 sqft (0.205 acres)
Lot Dimensions	131 ft deep x 66 ft wide
Garage Type	Attached
Garage Area	336 sqft
Parking Spaces	1 Parking Space
Porch	Covered Porch
Porch Area	20 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Account Number	768787
Street Address	20816 E 13TH TER S
City	INDEPENDENCE
State	MO
Zip	64057-2702
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LAKE CITY GARDENS LOT 78
Legal Subdivision	LAKE CITY GARDENS
Legal Block	2
Legal Lot Number	78
Jurisdiction	JACKSON MO
Township / Civil Division	BLUE
Census Block Group	2
Census Block	2016
Census Tract	11407

Owner

Source: Jackson County records · APN 25-140-05-15

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	20816 E 13TH TER S, INDEPENDENCE, MO 64057-2702
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Transfer Date	Sep 11, 2019
Transfer Doc	00E0072821
Record Updated	Jun 08, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON MO
Property Address	20816 E 13TH TER S, INDEPENDENCE, MO 64057-2702
Transaction Type	Mortgage
Record Updated	Sep 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20816 E 13TH TER S, INDEPENDENCE, MO 64057-2702

Mortgage

Document Number	00E0097837
Date	Sep 03, 2021
Instrument	2021E0097837

Lender

Name	COMMERCE BANK
Type	Bank
Address	KANSAS CITY, MO 64106

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	119 Months
Due	Aug 27, 2031

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Jackson County records · Assessment roll updated September 29, 2025 · Last verified April 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$25,127 (-1%) Land $4,708 Building $20,419	$132,250 (-1%)
2024	$1,934.00 (+2.33%)
2023	$1,890.00	$27,919 Land $3,367 Building $24,552	$146,940

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Jackson County (29095C), updated May 28, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 290950114072, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 4 individual NFIP policies nearby
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	4 in force 3 of 4 on primary residences

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond 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.