34303 E Spencer Rd, Oak Grove, MO 64075 Property Records

Jackson County property record for 34303 E Spencer Rd, Oak Grove, MO 64075

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 3,026 sqft · built 1986
Lot Size	2.33 acres (101,501 sqft)
Owner	2 Individual Names on Record
Last Sale	$435,000 (Apr 2024)
Tax Bill	$5,138 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Jun 2022 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`55-100-03-04`

Property Details

APN / Parcel Number

Primary APN	`55-100-03-04`
Alternative APNs	`55-100-03-04-00-0-00-000` `55100030400000001` `992219`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	15 Plumbing Fixtures
Stories	1 Story
Building Area	3,026 sqft Living Area
Gross Area	5,138 sqft
1st Floor Area	3,026 sqft
Basement Area	1,628 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1986
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Steel Frame
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	101,501 sqft
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	212 sqft
Deck Area	546 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	992219
Street Address	34303 E SPENCER RD
City	OAK GROVE
State	MO
Zip	64075-7246
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	THORN HILL TRACT 4
Legal Subdivision	THORN HILL
Legal Tract	4
Legal Block	2
Legal Lot Number	4
Jurisdiction	JACKSON MO
Township / Civil Division	VAN BUREN
Census Block Group	2
Census Block	2050
Census Tract	14002

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	2 Individual Names on Record
Mailing Address	34303 E SPENCER RD, OAK GROVE, MO 64075-7246
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Apr 7, 2026	Deed of Trust, Mortgage · Conventional Mortgage COMMUNITYAMERICA CREDIT UNION
Jun 1, 2022	Beneficiary Deed, Transfer
Dec 7, 2017	Deed of Trust, Mortgage · Line of Credit THIRD FED'L S&L ASSN/CLEVELAND

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 23, 2024 · Amount on Record
Deed Sale	Apr 23, 2024 · Amount on Record
Deed Document Number	202423595
Prior Transfer Date	Jun 1, 2022
Prior Transfer Doc	0000052271
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON MO
Recording Date	Apr 7, 2026
Property Address	34303 E SPENCER RD, OAK GROVE, MO 64075-7246
Document Number	00E0025235
Instrument Date	Mar 26, 2026
Instrument	202625235
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	34303 E SPENCER RD, OAK GROVE, MO 64075-7246

Mortgage

Document Number	0000025235,
Date	Apr 7, 2026
Instrument	202625235

Lender

Name	COMMUNITYAMERICA CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Apr 1, 2046

Interest

Rate Type	Fixed Rate
Rate	5.98%
Initial Type	Fixed Rate
Max Rate	-1%

June 2022: Beneficiary Deed, Transfer

Document Type	Beneficiary Deed
Jurisdiction	JACKSON MO
Recording Date	Jun 1, 2022
Property Address	34303 E SPENCER RD, OAK GROVE, MO 64075-7246
Document Number	00E0052271
Instrument Date	Jun 1, 2022
Instrument	2022E0052271
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	34303 E SPENCER RD, OAK GROVE, MO 64075-7246

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON MO
Property Address	34303 E SPENCER RD, OAK GROVE, MO 64075-7246
Document Number	000E112074
Instrument Date	Dec 7, 2017
Transaction Type	Mortgage
Record Updated	May 17, 2019
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	34303 E SPENCER RD OAK GROVE MO 640757246, OAK GROVE, MO 64075-7246

Mortgage

Document Number	000E112074
Date	Dec 18, 2017
Instrument	112074E

Lender

Name	THIRD FED'L S&L ASSN/CLEVELAND
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Dec 17, 2047

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Jackson County assessment roll, as of August 24, 2026

Property Jurisdictions

Type	Name
State	Missouri
County	Jackson County
Unified School District	Grain Valley R-V School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$73,120 (-) Land $31,054 Building $42,066	$384,840 (-)
2025	$5,138.00 (-15.6%)	$73,120 (-15.84%) Land $31,054 Building $42,066	$384,840 (-15.84%)
2024	$6,088.00 (+3.54%)
2023	$5,880.00	$86,880 Land $11,879 Building $75,001	$457,260

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

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force
Nearby Flood Claims	1 (1998)
Most Recent Claim	Oct 1998 · Severe Storms, Flooding And Tornadoes

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 96% of the US · lower than 94% of Missouri
Wildfire Likelihood	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	JACKSON COUNTY PWSD 17 serves 2,530 people · EPA ID MO1024282
Water Source	Purchased groundwater from several systems
Last State Inspection	Jan 2024
Lead	2 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 12 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Wisper ISP Fixed Wireless	400 / 30
Starlink Satellite	280 / 30
Verizon Fixed Wireless	25 / 6
T-Mobile Fixed Wireless	25 / 3

Cell Coverage

5G (outdoors only) and 4G LTE

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