3132 S Speck Ct, Independence, MO 64057 Property Records

Jackson County property record for 3132 S Speck Ct, Independence, MO 64057

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,180 sqft · built 1993
Lot Size	0.178 acres (7,768 sqft)
Owner	2 Individual Names on File
Last Sale	$34,400 (Apr 2001)
Tax Bill	$2,508 (2025)
Deeds & Mortgages	Jan 2020 Mortgage Jan 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`25-830-05-07`

Property Details

APN / Parcel Number

Primary APN	`25-830-05-07`
Alternative APNs	`25-830-05-07-00-0-00-000` `25830050700000001` `772495`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,180 sqft Living Area
1st Floor Area	560 sqft
Basement Area	1,056 sqft
Finished Basement	384 sqft
Unfinished Basement	672 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	7,768 sqft (0.178 acres)
Garage Type	Attached
Garage Area	500 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	24 sqft
Deck Area	132 sqft
Patio Area	132 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	772495
Street Address	3132 S SPECK CT
City	INDEPENDENCE
State	MO
Zip	64057
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VALLEY BROOKE 2ND PLAT - LOTS 34-73 LOT 61
Legal Subdivision	VALLEY BROOKE 2ND PLAT
Legal Block	1
Legal Lot Number	61
Jurisdiction	JACKSON MO
Township / Civil Division	BLUE
Census Block Group	1
Census Block	1002
Census Tract	14701

Owner

3132 S Speck Ct is owned by two individuals who bought it in April 2001.

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

Owner of Record	2 Individual Names on File
Mailing Address	3134 S SPECK CT, INDEPENDENCE, MO 64057
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
Jan 29, 2020	Deed of Trust, Mortgage CALIBER HM LOANS
Jan 13, 2017	Deed of Trust, Mortgage · FHA Mortgage GOLDEN OAK LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 23, 2001 · Amount on File
Deed Sale	Apr 23, 2001 · Amount on File
Prior Sale	Feb 28, 1996 · Amount on File
Deed Document Number	200127619
Prior Transfer Date	Apr 17, 2001
Prior Transfer Doc	0000I27619
Record Updated	Oct 29, 2026

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON MO
Property Address	3132 S SPECK AVENUE CT, INDEPENDENCE, MO 64057
Document Number	0000E10628
Instrument Date	Jan 29, 2020
Transaction Type	Mortgage
Record Updated	Feb 26, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3134 S SPECK AVENUE CT INDEPENDENCE MO 640571881, INDEPENDENCE, MO 64057-1881

Mortgage

Document Number	0000E10628
Date	Feb 6, 2020
Instrument	10628E

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Amount	Amount on Record
Term	360 Months
Due	Feb 5, 2050

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON MO
Property Address	3132 S SPECK AVENUE CT, INDEPENDENCE, MO 64057
Document Number	0000E05542
Instrument Date	Jan 13, 2017
Transaction Type	Mortgage
Record Updated	Feb 1, 2017
Title Company	CLEAR TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3134 S SPECK AVENUE CT INDEPENDENCE MO 640571881, INDEPENDENCE, MO 64057-1881

Mortgage

Document Number	0000E05542
Date	Jan 20, 2017
Instrument	5542E

Lender

Name	GOLDEN OAK LNDG
Address	SAINT LOUIS, MO 63146

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 19, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 3132 S Speck Ct was $2,508, up % 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		$39,701 (-) Land $6,105 Building $33,596	$208,950 (-)
2025	$2,508.00 (+0.04%)	$39,701 Land $6,105 Building $33,596	$208,950
2024	$2,507.00 (+2.33%)
2023	$2,450.00	$36,185 Land $4,723 Building $31,462	$190,450

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

Flood

FEMA maps place 3132 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 3132 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

Provider	Max Down / Up (Mbps)
Google Fiber Fiber	8,000 / 8,000
AT&T Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Wisper ISP.

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