315 N Cedar Ave, Independence, MO 64053 Property Records

Jackson County property record for 315 N Cedar Ave, Independence, MO 64053

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,112 sqft · built 1956
Lot Size	0.126 acres (5,502 sqft)
Owner	Individual Name on File
Tax Bill	$1,414 (2025)
Deeds & Mortgages	Jan 2024 Mortgage Jun 2021 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`14-720-05-06`

Property Details

APN / Parcel Number

Primary APN	`14-720-05-06`
Alternative APNs	`14-720-05-06-00-0-00-000` `14720050600000001` `726532`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,112 sqft Living Area
1st Floor Area	1,112 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Construction Type	Steel Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	5,502 sqft (0.126 acres)
Lot Dimensions	138 ft deep x 40 ft wide
Garage Area	364 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Deck Area	Deck Area
Patio Area	60 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	726532
Street Address	315 N CEDAR AVE
City	INDEPENDENCE
State	MO
Zip	64053-1313
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MCELROY HEIGHTS LOT 248
Legal Subdivision	MC ELROY HEIGHTS
Legal Block	1
Legal Lot Number	248
Jurisdiction	JACKSON MO
Township / Civil Division	BLUE
Census Block Group	1
Census Block	1006
Census Tract	11001

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	315 N CEDAR AVE, INDEPENDENCE, MO 64053-1313
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 26, 2024	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Jun 4, 2021	Deed of Trust, Mortgage · FHA Mortgage PRIMELENDING
Jun 4, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage MISSOURI HOUSING DEVELOPMENT COMMISSION
Jun 4, 2021	Warranty Deed, Transfer CONTINENTAL, CONTINENTAL TITLE COMPANY
May 9, 2019	Warranty Deed, Transfer · FHA Mortgage LEADERONE FIN'L
Nov 27, 2017	Deed of Trust, Mortgage STATE FARM BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 4, 2021
Deed Sale	Jun 4, 2021
Prior Sale	May 9, 2019
Deed Document Number	2021E60722
Record Updated	Oct 29, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON MO
Property Address	315 N CEDAR AVE, INDEPENDENCE, MO 64053-1313
Transaction Type	Mortgage
Record Updated	Feb 1, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	315 N CEDAR AVE, INDEPENDENCE, MO 64053-1313

Mortgage

Document Number	00E0005369
Date	Jan 26, 2024
Instrument	2024E0005369

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	329 Months
Due	Jun 1, 2051

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON MO
Property Address	315 N CEDAR AVE, INDEPENDENCE, MO 64053-1313
Transaction Type	Mortgage
Record Updated	Jan 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00E0061125
Date	Jun 4, 2021
Instrument	2021E0061125

Lender

Name	PRIMELENDING
Type	Mortgage Company
Address	DALLAS, TX 75252

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2051

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON MO
Property Address	315 N CEDAR AVE, INDEPENDENCE, MO 64053-1313
Transaction Type	Mortgage
Record Updated	Jul 8, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00E0061126
Date	Jun 4, 2021
Instrument	2021E0061126

Lender

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

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON MO
Recording Date	Jun 4, 2021
Property Address	315 N CEDAR AVE, INDEPENDENCE, MO 64053-1313
Document Number	00E0060722
Instrument Date	May 21, 2021
Instrument	2021E0060722
Transaction Type	Transfer
Record Updated	Jul 8, 2021
Title Company	CONTINENTAL, CONTINENTAL TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	315 N CEDAR AVE, INDEPENDENCE, MO 64053-1313

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON MO
Recording Date	May 9, 2019
Property Address	315 N CEDAR AVE, INDEPENDENCE, MO 64053-1313
Document Number	0000E34022
Instrument Date	May 8, 2019
Instrument	34022E
Transaction Type	Transfer
Record Updated	May 31, 2019
Title Company	MCCAFFREE-SHORT TITLE COMPANY INC, MCCAFFREE-SHORT TITLE CO INC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	315 N CEDAR AVE INDEPENDENCE MO 640531313, INDEPENDENCE, MO 64053-1313

Mortgage

Document Number	E34266
Date	May 9, 2019
Instrument	34266E

Lender

Name	LEADERONE FIN'L
Type	Funding / Finance Company
Address	OVERLAND PARK, KS 66210

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 8, 2049

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON MO
Property Address	315 N CEDAR AVE, INDEPENDENCE, MO 64053-1313
Document Number	000E107617
Instrument Date	Nov 27, 2017
Transaction Type	Mortgage
Record Updated	May 17, 2019
Title Company	WORLDWIDE RECORDING INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	315 N CEDAR AVE INDEPENDENCE MO 640531313, INDEPENDENCE, MO 64053-1313

Mortgage

Document Number	000E107617
Date	Dec 1, 2017
Instrument	107617E

Lender

Name	STATE FARM BK
Type	Bank
Address	EARTH CITY, MO 63045

Agreement

Amount	Amount on Record
Term	180 Months
Due	Nov 30, 2032

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		$19,347 (-) Land $2,994 Building $16,353	$101,830 (-)
2025	$1,414.00 (+5.13%)	$19,347 (+2.48%) Land $2,994 Building $16,353	$101,830 (+2.49%)
2024	$1,345.00 (+2.44%)
2023	$1,313.00	$18,879 Land $1,427 Building $17,452	$99,360

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

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

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

Wildfire Risk	Low lower than 80% of the US · lower than 84% of Missouri
Wildfire Likelihood	0.03% 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 95 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
Verizon Fixed Wireless	300 / 20

May also be available: Wisper ISP.

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