20903 E 13th Ter Ct S, Independence, MO 64057 Property Records

Jackson County property record for 20903 E 13th Ter Ct S, Independence, MO 64057

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,632 sqft · built 1970
Lot Size	0.243 acres (10,581 sqft)
Owner	Individual Name on File
Tax Bill	$2,172 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Nov 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`25-140-06-26`

Property Details

APN / Parcel Number

Primary APN	`25-140-06-26`
Alternative APNs	`25-140-06-26-00-0-00-000` `25140062600000001` `768832`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,632 sqft Living Area
Gross Area	2,136 sqft
1st Floor Area	936 sqft
Basement Area	936 sqft
Finished Basement	696 sqft
Unfinished Basement	240 sqft
Flooring	Carpet

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Steel Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	10,581 sqft (0.243 acres)
Lot Dimensions	116 ft deep x 71 ft wide
Garage Type	Attached
Garage Area	264 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Porch
Porch Area	20 sqft
Deck Area	328 sqft
Patio Area	184 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	768832
Street Address	20903 E 13TH TERRACE CT S
City	INDEPENDENCE
State	MO
Zip	64057-2701
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LAKE CITY GARDENS LOT 67
Legal Subdivision	LAKE CITY GARDENS
Legal Block	2
Legal Lot Number	67
Jurisdiction	JACKSON MO
Township / Civil Division	BLUE
Census Block Group	2
Census Block	2015
Census Tract	11407

Owner

20903 E 13th Ter Ct S is owned by an individual who acquired it in July 2019.

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

Owner of Record	Individual Name on File
Mailing Address	2090 E 13TH TER S, INDEPENDENCE, MO 64057
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
Aug 31, 2021	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Nov 18, 2020	Deed of Trust, Mortgage FREEDOM MTG
Aug 19, 2019	Correction Deed, Transfer NOT AVAILABLE
Jul 31, 2019	Warranty Deed, Transfer ACADEMY MTG
Jul 30, 2019	Deed of Trust, Mortgage ACADEMY MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 31, 2019
Deed Sale	Jul 31, 2019
Prior Sale	Dec 1, 1997 · Amount on File
Deed Document Number	2019E59271
Prior Transfer Date	Aug 31, 2005
Prior Transfer Doc	0000I83027
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON MO
Property Address	20903 E 13TH TERRACE CT S, INDEPENDENCE, MO 64057-2701
Transaction Type	Mortgage
Record Updated	Aug 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20903 E 13TH TERRACE CT S, INDEPENDENCE, MO 64057-2701

Mortgage

Document Number	00E0095878
Date	Aug 31, 2021
Instrument	2021E0095878

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON MO
Property Address	20903 E 13TH TERRACE CT S, INDEPENDENCE, MO 64057-2701
Document Number	000E111699
Instrument Date	Nov 18, 2020
Transaction Type	Mortgage
Record Updated	Dec 29, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20903 E 13TH TERRACE CT S INDEPENDENCE MO 640572701, INDEPENDENCE, MO 64057-2701

Mortgage

Document Number	000E111699
Date	Nov 24, 2020
Instrument	111699E

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	CHESTERFIELD, MO 63005

Agreement

Amount	Amount on Record
Term	360 Months
Due	Nov 23, 2050

August 2019: Correction Deed, Transfer

Document Type	Correction Deed
Jurisdiction	JACKSON MO
Recording Date	Aug 19, 2019
Property Address	20903 E 13TH TERRACE CT S, INDEPENDENCE, MO 64057-2701
Document Number	0000E64883
Instrument Date	Aug 16, 2019
Instrument	64883E
Transaction Type	Transfer
Record Updated	Sep 19, 2019
Title Company	NOT AVAILABLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	839 W 13490 S DRAPER UT 84020, DRAPER, UT 84020

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON MO
Recording Date	Jul 31, 2019
Property Address	20903 E 13TH TERRACE CT S, INDEPENDENCE, MO 64057-2701
Document Number	0000E59271
Instrument Date	Jul 30, 2019
Instrument	59271E
Transaction Type	Transfer
Record Updated	Sep 2, 2019
Title Company	OTHER

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2090 E 13TH TER S INDEPENDENCE MO 64057, INDEPENDENCE, MO 64057

Mortgage

Document Number	E59996
Date	Jul 31, 2019
Instrument	59996E

Lender

Name	ACADEMY MTG
Type	Mortgage Company
Address	DRAPER, UT 84020

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jul 30, 2049

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON MO
Property Address	20903 E 13TH TERRACE CT S, INDEPENDENCE, MO 64057-2701
Document Number	0000E66559
Instrument Date	Jul 30, 2019
Transaction Type	Mortgage
Record Updated	Sep 24, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20903 E 13TH TERRACE CT S INDEPENDENCE MO 640572701, INDEPENDENCE, MO 64057-2701

Mortgage

Document Number	0000E66559
Date	Aug 22, 2019
Instrument	66559E

Lender

Name	ACADEMY MTG
Type	Mortgage Company
Address	DRAPER, UT 84020

Agreement

Amount	Amount on Record
Term	360 Months
Due	Aug 21, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 20903 E 13th Ter Ct S was $2,172, down 2.3% 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		$30,404 (-) Land $4,931 Building $25,473	$160,020 (-)
2025	$2,172.00 (-2.34%)	$30,404 Land $4,931 Building $25,473	$160,020
2024	$2,224.00 (+2.35%)
2023	$2,173.00	$32,102 Land $4,653 Building $27,449	$168,960

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

Flood

FEMA maps place 20903 E 13th Ter Ct S in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	4 in force

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

The area around 20903 E 13th Ter Ct S has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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 142 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Google Fiber Fiber	8,000 / 8,000
Xfinity Cable	2,000 / 250
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Wisper ISP.

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