313 N Speck Ave, Independence, MO 64056 Property Records

Jackson County property record for 313 N Speck Ave, Independence, MO 64056

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 920 sqft · built 1970
Lot Size	0.284 acres (12,348 sqft)
Owner	Individual Name on Record
Tax Bill	$2,100 (2025)
Deeds & Mortgages	Apr 2023 Mortgage Mar 2023 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`16-820-05-28`

Property Details

APN / Parcel Number

Primary APN	`16-820-05-28`
Alternative APNs	`16-820-05-28-00-0-00-000` `16820052800000001` `739659`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	920 sqft Living Area
1st Floor Area	414 sqft
Basement Area	920 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Steel Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	12,348 sqft (0.284 acres)
Lot Dimensions	141 ft deep x 87 ft wide
Garage Type	Attached
Garage Area	500 sqft
Parking Spaces	2 Parking Spaces
Porch	Covered Porch
Porch Area	32 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	739659
Street Address	313 N SPECK AVE
City	INDEPENDENCE
State	MO
Zip	64056-2056
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRAILWOOD LOT 50
Legal Subdivision	TRAILWOOD
Legal Block	3
Legal Lot Number	50
Jurisdiction	JACKSON MO
Township / Civil Division	BLUE
Census Block Group	3
Census Block	3041
Census Tract	11406

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	Individual Name on Record
Mailing Address	313 N SPECK AVE, INDEPENDENCE, MO 64056-2056
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 13, 2023	Deed of Trust, Mortgage · FHA Mortgage LEADER ONE FINANCIAL CORP
Mar 31, 2023	Deed of Trust, Mortgage · FHA Mortgage LEADER ONE FINANCIAL CORP
Apr 13, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage MISSOURI HOUSING DEVELOPMENT COMMISSION
Mar 31, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage MISSOURI HOUSING DEVELOPMENT COMMISSION
Mar 29, 2023	Warranty Deed, Transfer CHICAGO TITLE COMPANY/CA, CHICAGO TITLE COMPANY LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 29, 2023
Deed Sale	Mar 29, 2023
Prior Sale	Apr 2, 2002 · Amount on Record
Deed Document Number	202321710
Prior Transfer Date	Mar 28, 2002
Prior Transfer Doc	0000025260
Record Updated	Oct 29, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON MO
Property Address	313 N SPECK AVE, INDEPENDENCE, MO 64056-2056
Transaction Type	Mortgage
Record Updated	Aug 10, 2023
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	110 SW 21ST ST B, B, OAK GROVE, MO 64075-9557

Mortgage

Document Number	00E0025809
Date	Apr 13, 2023
Instrument	2023E0025809

Lender

Name	LEADER ONE FINANCIAL CORP
Type	Mortgage Company
Address	OVERLAND PARK, KS 66210

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2053

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON MO
Property Address	313 N SPECK AVE, INDEPENDENCE, MO 64056-2056
Transaction Type	Mortgage
Record Updated	Aug 10, 2023
Title Company	ALLIANCE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	110 SW 215 ST #B B, B, OAK GROVE, MO 64075

Mortgage

Document Number	00E0022328
Date	Mar 31, 2023
Instrument	2023E0022328

Lender

Name	LEADER ONE FINANCIAL CORP
Type	Mortgage Company
Address	OVERLAND PARK, KS 66210

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON MO
Property Address	313 N SPECK AVE, INDEPENDENCE, MO 64056-2056
Transaction Type	Mortgage
Record Updated	Apr 19, 2023
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00E0025810
Date	Apr 13, 2023
Instrument	2023E0025810

Lender

Name	MISSOURI HOUSING DEVELOPMENT COMMISSION
Type	Government Agency
Address	KANSAS CITY, MO 64105

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON MO
Property Address	313 N SPECK AVE, INDEPENDENCE, MO 64056-2056
Transaction Type	Mortgage
Record Updated	Apr 5, 2023
Title Company	ALLIANCE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00E0022329
Date	Mar 31, 2023
Instrument	2023E0022329

Lender

Name	MISSOURI HOUSING DEVELOPMENT COMMISSION
Type	Government Agency
Address	KANSAS CITY, MO 64105

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON MO
Recording Date	Mar 29, 2023
Property Address	313 N SPECK AVE, INDEPENDENCE, MO 64056-2056
Document Number	00E0021710
Instrument Date	Mar 24, 2023
Instrument	2023E0021710
Transaction Type	Transfer
Record Updated	Apr 4, 2023
Title Company	CHICAGO TITLE COMPANY/CA, CHICAGO TITLE COMPANY LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	313 N SPECK AVE, INDEPENDENCE, MO 64056-2056

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		$29,398 (-) Land $4,704 Building $24,694	$154,730 (-)
2025	$2,100.00 (+8.53%)	$29,398 (+5.26%) Land $4,704 Building $24,694	$154,730 (+5.26%)
2024	$1,935.00 (+2.33%)
2023	$1,891.00	$27,930 Land $2,922 Building $25,008	$147,000

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

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
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	1 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

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

Wildfire Risk	Low lower than 98% of the US · lower than 96% of Missouri
Wildfire Likelihood	Under 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 158 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

May also be available: Wisper ISP.

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