20904 E 13TH TERRACE CT S, INDEPENDENCE, MO 64057-2700
Document Number
00E0038463
Instrument Date
May 20, 2026
Instrument
202638463
Transaction Type
Mortgage
Record Updated
Jul 12, 2026
Title Company
NONE LISTED ON DOCUMENT
Transferred To (Grantee/Buyer)
Name
Verified Name
Address
2106 SW GOOSEBERRY LN, LEES SUMMIT, MO 64082-4138
Mortgage
Document Number
0000038463,
Date
May 26, 2026
Instrument
202638463
Lender
Name
M SQUARED FINANCIAL LLC
Agreement
Type
Conventional Mortgage
Amount
Amount on Record
Term
360 Months
Due
Jun 1, 2056
Interest
Rate Type
Fixed Rate
Rate
6.23%
Initial Type
Fixed Rate
Max Rate
-1%
May 2026: Warranty Deed, Transfer
Document Type
Warranty Deed
Jurisdiction
JACKSON MO
Recording Date
May 26, 2026
Property Address
20904 E 13TH TERRACE CT S, INDEPENDENCE, MO 64057
Document Number
0000038462
Instrument Date
May 20, 2026
Instrument
202638462
Transaction Type
Transfer
Record Updated
Jul 21, 2026
Title Company
NATIONS TITLE, ALLIANCE NATIONAL TITLE AGENCY
Transaction
Amount
Amount on Record
Loan-to-Value (LTV)
LTV on Record
Tax
$0.00
Amount Accuracy
Estimated Sale Price
Additional
Arm's Length
Multiple Parcels
Transferred From (Grantor/Seller)
Name
Verified Name
Transferred To (Grantee/Buyer)
Name
Verified Name
Address
20904 E 13TH TERRACE CT S, INDEPENDENCE, MO 64057
Mortgage
Document Number
0000038463,
Date
May 26, 2026
Instrument
2026E38463
Lender
Name
M SQUARED FINANCIAL LLC
Agreement
Type
Conventional Mortgage
Amount
Amount on Record
Term
360 Months
Due
Jun 1, 2056
Interest
Rate Type
Fixed Rate
Rate
6.37%
Initial Type
Fixed Rate
Max Rate
-1%
Mortgage
Document Number
00E0039325,
Date
May 28, 2026
Instrument
202639325
Lender
Name
MISSOURI HOUSING DEVELOPMENT COMMISSION
Agreement
Amount
Amount on Record
Interest
Rate
6.3%
Max Rate
-1%
May 2021: Warranty Deed, Transfer
Document Type
Warranty Deed
Jurisdiction
JACKSON MO
Recording Date
May 10, 2021
Property Address
20904 E 13TH TERRACE CT S, INDEPENDENCE, MO 64057
Document Number
00E0049867
Instrument Date
May 6, 2021
Instrument
2021E0049867
Transaction Type
Transfer
Record Updated
Jun 30, 2026
Title Company
SECURITY FIRST TITLE, SECURITY 1ST TITLE
Transaction
Tax
$0.00
Additional
Arm's Length
Transferred From (Grantor/Seller)
Name
Verified Name
Transferred To (Grantee/Buyer)
Name
Verified Name
Address
20904 E 13TH TERRACE CT S, INDEPENDENCE, MO 64057
Mortgage
Document Number
00E0049868
Date
May 10, 2021
Instrument
2021E0049868
Lender
Name
LEADER ONE FINANCIAL CORP
Type
Mortgage Company
Agreement
Type
Conventional Mortgage
Amount
Amount on Record
Term
361 Months
Due
Jun 1, 2051
March 2021: Warranty Deed, Transfer
Document Type
Warranty Deed
Jurisdiction
JACKSON MO
Recording Date
Mar 24, 2021
Property Address
20904 E 13TH TERRACE CT S, INDEPENDENCE, MO 64057
Document Number
00E0031593
Instrument Date
Mar 22, 2021
Instrument
2021E0031593
Transaction Type
Transfer
Record Updated
Jun 30, 2026
Transaction
Tax
$0.00
Additional
Arm's Length
Transferred From (Grantor/Seller)
Name
Verified Name
Transferred To (Grantee/Buyer)
Name
Verified Name
Address
20115 GRAND CT, BELTON, MO 64012-7618
Tax Assessment & Valuation
The 2025 property tax bill for 20904 E 13th Ter Ct S was $1,903, down 21.9% 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
$26,635 (-)Land $4,454Building $22,181
$140,180 (-)
2025
$1,903.00 (-21.94%)
$26,635Land $4,454Building $22,181
$140,180
2024
$2,438.00 (+2.35%)
2023
$2,382.00
$35,196Land $4,832Building $30,364
$185,240
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 20904 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 20904 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