313 N Cogan Ln, Independence, MO 64050 Property Records

Jackson County property record for 313 N Cogan Ln, Independence, MO 64050

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 964 sqft · built 1959
Lot Size	0.291 acres (12,694 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,659 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Feb 2017 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`16-920-04-07`

Property Details

APN / Parcel Number

Primary APN	`16-920-04-07`
Alternative APNs	`16-920-04-35-02-0-00-000` `16920040700000001` `16-920-04-35-02` `2248701` `740040`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Stories	1 Story
Building Area	964 sqft Living Area
1st Floor Area	676 sqft
Basement Area	696 sqft
Finished Basement	150 sqft
Unfinished Basement	546 sqft
Flooring	Carpet

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Architectural Style	Cape Cod
Exterior Material	Wood Siding
Construction Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	12,694 sqft (0.291 acres)
Lot Dimensions	130 ft deep x 98 ft wide
View / Lot	Interior
Garage Type	Detached

Exterior Amenities

Porch	Open Porch
Porch Area	20 sqft
Deck Area	202 sqft
Patio Area	188 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	740040
Street Address	313 N COGAN LN
City	INDEPENDENCE
State	MO
Zip	64050-2003
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ALLIN FARM---PT LOT 12 DAF: BEG SW COR PT BEING INTERSEC OF W LI NW 1/4 & S LI LOT 12 TH E 135 TH N 98 TH W 135 TH S TO POB ( EX PT IN ROW)
Legal Subdivision	ALLIN FARM
Legal Block	1
Legal Lot Number	12
Jurisdiction	JACKSON MO
Township / Civil Division	BLUE
Census Block Group	1
Census Block	1001
Census Tract	11410

Owner

313 N Cogan Ln is owned and occupied by two individuals who acquired it in May 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	313 N COGAN LN, INDEPENDENCE, MO 64050-2003
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
Mar 17, 2021	Deed of Trust, Mortgage · FHA Mortgage WELLS FARGO BANK NA
Feb 3, 2017	Loan Modification, Mortgage STRUCTURED ASSET SEC 2006-RF4

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 10, 2022
Deed Sale	May 10, 2022
Prior Sale	Jun 28, 2021
Deed Document Number	202244536
Prior Transfer Date	Nov 24, 2014
Prior Transfer Doc	0000107559
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON MO
Property Address	313 N COGAN LN, INDEPENDENCE, MO 64050-2003
Transaction Type	Mortgage
Record Updated	May 3, 2024
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00E0028621
Date	Mar 17, 2021
Instrument	2021E0028621

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	DES MOINES, IA 50328

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	312 Months
Due	Mar 1, 2047

February 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	JACKSON MO
Property Address	313 N COGAN LN, INDEPENDENCE, MO 64050-2003
Document Number	0000E21544
Instrument Date	Feb 3, 2017
Transaction Type	Mortgage
Record Updated	Jun 28, 2019
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	313 N COGAN LN INDEPENDENCE MO 640502003, INDEPENDENCE, MO 64050-2003

Mortgage

Document Number	0000E21544
Date	Mar 10, 2017
Instrument	21544E

Lender

Name	STRUCTURED ASSET SEC 2006-RF4
Address	SAINT PAUL, MN 55107

Agreement

Amount	Amount on Record
Term	360 Months
Due	Mar 9, 2047

Interest

Rate	3.62%

Tax Assessment & Valuation

The 2025 property tax bill for 313 N Cogan Ln was $2,659, up 18.7% 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		$37,210 (-) Land $4,104 Building $33,106	$195,840 (-)
2025	$2,659.00 (+18.65%)	$37,210 Land $4,104 Building $33,106	$195,840
2024	$2,241.00

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

Flood

FEMA maps place 313 N Cogan Ln in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective May 28, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 313 N Cogan Ln is low, with 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	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 332 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	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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