3517 S Hardy Ave, Independence, MO 64052 Property Records

Jackson County property record for 3517 S Hardy Ave, Independence, MO 64052

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 2,132 sqft · built 1950
Lot Size	0.47 acres (20,461 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,727 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Sep 2025 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`32-120-01-24`

Property Details

APN / Parcel Number

Primary APN	`32-120-01-24`
Alternative APNs	`32-120-01-24-00-0-00-000` `32120012400000001` `868211`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	2,132 sqft Living Area
1st Floor Area	1,692 sqft
Basement Area	1,692 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Steel Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	20,461 sqft (0.47 acres)
Lot Dimensions	166 ft deep x 135 ft wide
Garage Type	Detached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Covered Porch
Porch Area	210 sqft
Deck Area	416 sqft
Patio Area	110 sqft
Shed	1 Shed

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Account Number	868211
Street Address	3517 S HARDY AVE
City	INDEPENDENCE
State	MO
Zip	64052-1152
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	EAST HOLLYWOOD ADD LOT 165 & 166
Legal Subdivision	EAST HOLLYWOOD
Legal Block	1
Legal Lot Number	165
Jurisdiction	JACKSON MO
Township / Civil Division	BLUE
Census Block Group	1
Census Block	1013
Census Tract	12000

Owner

3517 S Hardy Ave is owned and occupied by two individuals who acquired it in June 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	3517 S HARDY AVE, INDEPENDENCE, MO 64052-1152
Occupancy	Owner Occupied
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
Jul 23, 2026	Deed of Trust, Mortgage · FHA Mortgage NONE LISTED ON DOCUMENT
Sep 25, 2025	Deed of Trust, Mortgage · FHA Mortgage ESSEX MORTGAGE
Jun 22, 2021	Deed of Trust, Mortgage · FHA Mortgage LUMINATE HOME LOANS INC
Jun 22, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage LUMINATE HOME LOANS INC
Jun 21, 2021	Warranty Deed, Transfer FIRST AMERICAN TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 21, 2021
Deed Sale	Jun 21, 2021
Prior Sale	Oct 4, 2016 · Amount on File
Deed Document Number	2021E66771
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON MO
Recording Date	Jul 23, 2026
Property Address	3517 S HARDY AVE, INDEPENDENCE, MO 64052-1152
Document Number	0000055580
Instrument Date	May 29, 2026
Instrument	202655580
Transaction Type	Mortgage
Record Updated	Aug 4, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3517 S HARDY AVE, INDEPENDENCE, MO 64052-1152

Mortgage

Document Number	0000055580,
Date	Jul 23, 2026
Instrument	202655580

Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	300 Months
Due	Jul 1, 2051

Interest

Rate	6.3%
Max Rate	-1%

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON MO
Property Address	3517 S HARDY AVE, INDEPENDENCE, MO 64052-1152
Transaction Type	Mortgage
Record Updated	Oct 23, 2025
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3517 S HARDY AVE, INDEPENDENCE, MO 64052-1152

Mortgage

Document Number	00E0071554
Date	Sep 25, 2025
Instrument	2025E0071554

Lender

Name	ESSEX MORTGAGE
Type	Mortgage Company
Address	HOBE SOUND, FL 33475

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	310 Months
Due	Jul 1, 2051

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON MO
Property Address	3517 S HARDY AVE, INDEPENDENCE, MO 64052-1152
Transaction Type	Mortgage
Record Updated	Jul 8, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00E0067670
Date	Jun 22, 2021
Instrument	2021E0067670

Lender

Name	LUMINATE HOME LOANS INC
Type	Mortgage Company
Address	MINNEAPOLIS, MN 55439

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON MO
Property Address	3517 S HARDY AVE, INDEPENDENCE, MO 64052-1152
Transaction Type	Mortgage
Record Updated	Jul 8, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00E0067671
Date	Jun 22, 2021
Instrument	2021E0067671

Lender

Name	LUMINATE HOME LOANS INC
Type	Mortgage Company
Address	MINNEAPOLIS, MN 55439

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON MO
Recording Date	Jun 21, 2021
Property Address	3517 S HARDY AVE, INDEPENDENCE, MO 64052-1152
Document Number	00E0066771
Instrument Date	Jun 15, 2021
Instrument	2021E0066771
Transaction Type	Transfer
Record Updated	Jul 7, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3517 S HARDY AVE, 3517, INDEPENDENCE, MO 64052-1152

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3517 S HARDY AVE, INDEPENDENCE, MO 64052-1152

Tax Assessment & Valuation

The 2025 property tax bill for 3517 S Hardy Ave was $1,727, down 18.7% 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		$23,619 (-) Land $3,722 Building $19,897	$124,310 (-)
2025	$1,727.00 (-18.73%)	$23,619 Land $3,722 Building $19,897	$124,310
2024	$2,125.00 (+2.51%)
2023	$2,073.00	$29,808 Land $3,141 Building $26,667	$156,880

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

Flood

FEMA maps place 3517 S Hardy Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1983.

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 Claims	1 (1983)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 1983 · rainfall accumulation

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 3517 S Hardy Ave 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 399 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon, Wisper ISP.

Nearby Properties on S Hardy Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures