2905 S Hardy Ave, Independence, MO 64052 Property Records

Jackson County property record for 2905 S Hardy Ave, Independence, MO 64052

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,716 sqft · built 1955
Lot Size	0.678 acres (29,548 sqft)
Owner	2 Individual Names on Record
Last Sale	$263,549 (Apr 2026)
Tax Bill	$1,598 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Jul 2025 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`27-720-07-22`

Property Details

APN / Parcel Number

Primary APN	`27-720-07-22`
Alternative APNs	`27-720-07-22-00-0-00-000` `27720072200000001` `794455`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,716 sqft Living Area
Gross Area	2,912 sqft
1st Floor Area	1,144 sqft
Basement Area	1,144 sqft
Finished Basement	572 sqft
Unfinished Basement	572 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Steel Frame
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	29,548 sqft (0.678 acres)
Lot Dimensions	368 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Covered Porch
Porch Area	36 sqft
Deck Area	240 sqft
Patio Area	240 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	794455
Street Address	2905 S HARDY AVE
City	INDEPENDENCE
State	MO
Zip	64052-1443
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FLANAGAN FARM BEG 100 N OF NW COR LOT 1 ALLENS DELL TH E 36 8 MOL TH N 80 TH W 368 MOL TH S TO POB
Legal Subdivision	FLANAGAN FARM
Legal Block	1
Legal Lot Number	1
Jurisdiction	JACKSON MO
Township / Civil Division	BLUE
Census Block Group	1
Census Block	1013
Census Tract	11900

Owner

Source: Jackson County records, as of August 24, 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 Record
Mailing Address	2905 S HARDY AVE, INDEPENDENCE, MO 64052-1443
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Apr 14, 2026	Quit Claim Deed, Transfer · FHA Mortgage NEWREZ LLC
Jul 8, 2025	Warranty Deed, Transfer · FHA Mortgage ENVOY MORTGAGE LTD
Jul 1, 2021	Warranty Deed, Transfer · Conventional Mortgage BANK OF AMERICA NA
Jun 5, 2018	Warranty Deed, Transfer LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 14, 2026 · Amount on Record
Deed Sale	Apr 14, 2026 · Amount on Record
Prior Sale	Jul 8, 2025 · Amount on Record
Deed Document Number	202626971
Prior Transfer Date	Apr 8, 2026
Prior Transfer Doc	00E0026971
Record Updated	Oct 29, 2026

April 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	JACKSON MO
Recording Date	Apr 14, 2026
Property Address	2905 S HARDY AVE, INDEPENDENCE, MO 64052-1443
Document Number	00E0026971
Instrument Date	Apr 8, 2026
Instrument	202626971
Transaction Type	Transfer
Record Updated	Apr 23, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Estimated Sale Price

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	2905 S HARDY AVE, INDEPENDENCE, MO 64052-1443
Investor	Possibly a Property Investor

Mortgage

Document Number	0000026972,
Date	Apr 14, 2026
Instrument	2026E26972

Lender

Name	NEWREZ LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate	5.98%
Max Rate	-1%

July 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON MO
Recording Date	Jul 8, 2025
Property Address	2905 S HARDY AVE, INDEPENDENCE, MO 64052-1443
Document Number	00E0047538
Instrument Date	Jun 23, 2025
Instrument	2025E0047538
Transaction Type	Transfer
Record Updated	Jun 30, 2026
Title Company	CONTINENTAL, CONTINENTAL TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2100 WYANDOTTE ST # 2004, 2004, KANSAS CITY, MO 64108-2350

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2905 S HARDY AVE, INDEPENDENCE, MO 64052-1443

Mortgage

Document Number	00E0048908
Date	Jul 8, 2025
Instrument	2025E0048908

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2055

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON MO
Recording Date	Jul 1, 2021
Property Address	2905 S HARDY AVE, INDEPENDENCE, MO 64052-1443
Document Number	00E0071867
Instrument Date	Jun 24, 2021
Instrument	2021E0071867
Transaction Type	Transfer
Record Updated	Jun 30, 2026
Title Company	AUSTIN TITLE, ATC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2905 S HARDY AVE, INDEPENDENCE, MO 64052-1443

Mortgage

Document Number	00E0071868
Date	Jul 1, 2021
Instrument	2021E0071868

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2051

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON MO
Recording Date	Jun 5, 2018
Property Address	2905 S HARDY AVE, INDEPENDENCE, MO 64052-1443
Document Number	0000E48831
Instrument Date	Jun 1, 2018
Instrument	48831E
Transaction Type	Transfer
Record Updated	Jun 29, 2018
Title Company	SECURED TITLE/KANSAS CITY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2905 S HARDY AVE INDEPENDENCE MO 640521443, INDEPENDENCE, MO 64052-1443

Mortgage

Document Number	E48832
Date	Jun 5, 2018
Instrument	48832E

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	BRANSON, MO 65616

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jun 4, 2048

Tax Assessment & Valuation

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		$21,859 (-) Land $4,440 Building $17,419	$115,050 (-)
2025	$1,598.00 (-46.63%)	$21,859 (-47.95%) Land $4,440 Building $17,419	$115,050 (-47.95%)
2024	$2,994.00 (+2.5%)
2023	$2,921.00	$41,995 Land $3,642 Building $38,353	$221,030

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	6 in force
Nearby Flood Claims	19 (1979–2025)
Claims Outside the SFHA	5 of 19
Most Recent Claim	Jul 2025 · rainfall accumulation
Claims by Event	Severe Storms And Flooding, Jul 1998 · 2 claims

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

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	0.02% 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 402 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · 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: Wisper ISP.

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