3138 S Speck Ave Ct, Independence, MO 64057 Property Records

Jackson County property record for 3138 S Speck Ave Ct, Independence, MO 64057

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,274 sqft · built 1994
Lot Size	0.378 acres (16,471 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,771 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Aug 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`25-830-05-06`

Property Details

APN / Parcel Number

Primary APN	`25-830-05-06`
Alternative APNs	`25-830-05-06-00-0-00-000` `25830050600000001` `772494`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Stories	1 Story
Building Area	1,274 sqft Living Area
1st Floor Area	574 sqft
Basement Area	1,104 sqft
Finished Basement	350 sqft
Unfinished Basement	754 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Steel Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	16,471 sqft (0.378 acres)
Garage Type	Attached
Garage Area	500 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	36 sqft
Deck Area	156 sqft
Patio Area	312 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	772494
Street Address	3138 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 60
Legal Subdivision	VALLEY BROOKE 2ND PLAT
Legal Block	1
Legal Lot Number	60
Jurisdiction	JACKSON MO
Township / Civil Division	BLUE
Census Block Group	1
Census Block	1002
Census Tract	14701

Owner

3138 S Speck Ave Ct, a single family home, is owned by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	3138 S SPECK AVENUE CT, INDEPENDENCE, MO 64057-1881
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
Aug 18, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Aug 28, 2020	Deed of Trust, Mortgage MR COOPER

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON MO
Recording Date	Aug 18, 2026
Property Address	3138 S SPECK CT, INDEPENDENCE, MO 64057
Document Number	0000062170
Instrument Date	Aug 12, 2026
Instrument	202662170
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3138 S SPECK AVENUE CT, INDEPENDENCE, MO 64057-1881

Mortgage

Document Number	0000062170,
Date	Aug 18, 2026
Instrument	202662170

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Sep 1, 2046

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON MO
Property Address	3138 S SPECK AVENUE CT, INDEPENDENCE, MO 64057-1881
Document Number	0000E79976
Instrument Date	Aug 28, 2020
Transaction Type	Mortgage
Record Updated	Oct 15, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3138 S SPECK AVENUE CT INDEPENDENCE MO 640571881, INDEPENDENCE, MO 64057-1881

Mortgage

Document Number	0000E79976
Date	Sep 3, 2020
Instrument	79976E

Lender

Name	MR COOPER
Address	COPPELL, TX 75019

Agreement

Amount	Amount on Record
Term	360 Months
Due	Sep 2, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 3138 S Speck Ave Ct was $2,771.

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 $6,713 Building $32,988	$208,950 (-)
2025	$2,771.00	$39,701 Land $6,713 Building $32,988	$208,950
2024	$2,771.00 (+2.33%)
2023	$2,708.00	$40,003 Land $6,232 Building $33,771	$210,540

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

Flood

FEMA maps place 3138 S Speck Ave Ct in Zone X, an area of minimal flood risk, within 100 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 100 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 3138 S Speck Ave 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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