3131 S SPECK AVENUE CT INDEPENDENCE MO 640571881, INDEPENDENCE, MO 64057-1881
Mortgage
Document Number
E31056
Date
Apr 16, 2020
Instrument
31056E
Lender
Name
FREEDOM MTG
Type
Mortgage Company
Address
ST LOUIS, MO 63005
Agreement
Type
VA Mortgage
Amount
Amount on Record
Term
336 Months
Due
Apr 15, 2048
February 2018: Warranty Deed, Transfer
Document Type
Warranty Deed
Jurisdiction
JACKSON MO
Recording Date
Feb 1, 2018
Property Address
3131 S SPECK AVENUE CT, INDEPENDENCE, MO 64057-1881
Document Number
0000E08797
Instrument Date
Jan 30, 2018
Instrument
8797E
Transaction Type
Transfer
Record Updated
Feb 14, 2018
Title Company
FIRST UNITED TITLE
Transaction
Tax
$0.00
Additional
Arm's Length
Transferred From (Grantor/Seller)
Name
Verified Name
Transferred To (Grantee/Buyer)
Name
Verified Name
Address
3131 S SPECK AVENUE CT INDEPENDENCE MO 640571881, INDEPENDENCE, MO 64057-1881
Mortgage
Document Number
E08798
Date
Feb 1, 2018
Instrument
8798E
Lender
Name
FREEDOM MTG
Type
Mortgage Company
Address
KANSAS CITY, MO 64112
Agreement
Amount
Amount on Record
Term
360 Months
Due
Jan 31, 2048
Tax Assessment & Valuation
The 2025 property tax bill for 3131 S Speck Ct was $3,447, up 10.8% 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
$48,245 (-)Land $6,428Building $41,817
$253,920 (-)
2025
$3,447.00 (+10.8%)
$48,245Land $6,428Building $41,817
$253,920
2024
$3,111.00 (+2.34%)
2023
$3,040.00
$44,905Land $6,143Building $38,762
$236,340
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 3131 S Speck Ct 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 A, within 500 ft
Flood Insurance Requirement
Not required lenders may require it
Community Rating System
Class 8 (10% premium discount)
Nearby Flood Policies
3 in force
Nearby Flood Claims
2 (1982–1990)
Most Recent Claim
May 1990 · Severe Storms & Flooding
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
Wildfire risk around 3131 S Speck Ct is low, with less than 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 99.1% of the US · lower than 98.2% 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 142 locations within half a mile, as of December 31, 2025