3500 Saddle Ridge Dr, Independence, MO 64057 Property Records

Jackson County property record for 3500 Saddle Ridge Dr, Independence, MO 64057

Property Summary

Property Type	Single Family Home
Details	4 bd · 5.5 ba · 3,523 sqft · built 1997
Lot Size	0.793 acres (34,561 sqft)
Owner	2 Individual Names on File
Last Sale	$1,047,375 (Jun 2026)
Tax Bill	$9,426 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Jun 2026 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`35-300-32-11`

Property Details

APN / Parcel Number

Primary APN	`35-300-32-11`
Alternative APNs	`35-300-32-11-00-0-00-000` `35300321100000001` `890463`

Interior

Bedrooms	4 Beds
Full Baths	5.5 Baths
Half Baths	3 Half Baths
Plumbing Fixtures	17 Plumbing Fixtures
Stories	2 Stories
Building Area	3,523 sqft Living Area
1st Floor Area	1,430 sqft
Basement Area	1,729 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Conventional
Exterior Material	Stucco
Construction Type	Concrete
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Tile
Lot Area	34,561 sqft (0.793 acres)
Garage Type	Attached
Garage Area	1,277 sqft
Parking Spaces	5 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	66 sqft
Deck Area	148 sqft
Patio Area	148 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	890463
Street Address	3500 SADDLE RIDGE DR
City	INDEPENDENCE
State	MO
Zip	64057-3355
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SADDLE RIDGE 1ST PLAT LOT 19
Legal Subdivision	SADDLE RIDGE 1ST PLAT
Legal Block	2
Legal Lot Number	19
Jurisdiction	JACKSON MO
Township / Civil Division	SNI-A-BAR
Census Block Group	2
Census Block	2011
Census Tract	14804

Owner

3500 Saddle Ridge Dr is owned and occupied by two individuals who bought it in June 2026.

Source: Jackson County records, as of October 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3500 SADDLE RIDGE DR, INDEPENDENCE, MO 64057-3355
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

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
Jun 3, 2026	Warranty Deed, Transfer · Conventional Mortgage FINANCIAL CORPORATION
Jun 4, 2026	Deed of Trust, Mortgage · Conventional Mortgage NONE LISTED ON DOCUMENT
Jan 11, 2022	Deed of Trust, Mortgage · Line of Credit US BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 3, 2026 · Amount on File
Deed Sale	Jun 3, 2026 · Amount on File
Prior Sale	Aug 6, 2014 · Amount on File
Deed Document Number	202641092
Prior Transfer Date	Sep 10, 2025
Prior Transfer Doc	00E0067509
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON MO
Recording Date	Jun 3, 2026
Property Address	3500 SADDLE RIDGE DR, INDEPENDENCE, MO 64057-3355
Document Number	0000041092
Instrument Date	Jun 2, 2026
Instrument	202641092
Transaction Type	Transfer
Record Updated	Oct 20, 2026
Title Company	EVERGREEN TITLE AGENCY, EVERTITLE AGENCY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3500 SADDLE RIDGE DR, INDEPENDENCE, MO 64057-3355

Mortgage

Document Number	0000041651,
Date	Jun 3, 2026
Instrument	2026E41651

Lender

Name	FINANCIAL CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

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

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON MO
Recording Date	Jun 4, 2026
Property Address	3500 SADDLE RIDGE DR, INDEPENDENCE, MO 64057-3355
Document Number	0000041651
Instrument Date	Jun 2, 2026
Instrument	202641651
Transaction Type	Mortgage
Record Updated	Jul 15, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000041651,
Date	Jun 4, 2026
Instrument	202641651

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.37%
Initial Type	Fixed Rate
Max Rate	-1%

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON MO
Property Address	3500 SADDLE RIDGE DR, INDEPENDENCE, MO 64057-3355
Transaction Type	Mortgage
Record Updated	Mar 9, 2023
Title Company	NOT AVAILABLE, RADIAN LENDER SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3500 SADDLE RIDGE DR, INDEPENDENCE, MO 64057-3355

Mortgage

Document Number	00E0003501
Date	Jan 11, 2022
Instrument	2022E0003501

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Jan 1, 2037

Tax Assessment & Valuation

The 2025 property tax bill for 3500 Saddle Ridge Dr was $9,426, up 5.1% 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	Blue Springs R-IV School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$133,175 (-) Land $24,096 Building $109,079	$700,920 (-)
2025	$9,426.00 (+5.11%)	$133,175 Land $24,096 Building $109,079	$700,920
2024	$8,968.00 (+2.13%)
2023	$8,781.00	$130,739 Land $21,318 Building $109,421	$688,100

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 3500 Saddle Ridge Dr in Zone X, an area of minimal flood risk.

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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	2 in force

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 3500 Saddle Ridge Dr 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 97% of the US · lower than 95% 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 71 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Wisper ISP Fixed Wireless	400 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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