3609 S Phelps Rd, Independence, MO 64055 Property Records

Jackson County property record for 3609 S Phelps Rd, Independence, MO 64055

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,424 sqft · built 1962
Lot Size	0.428 acres (18,653 sqft)
Owner	2 Individual Names on Record
Last Sale	$343,400 (Sep 2026)
Tax Bill	$3,492 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Jan 2024 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`33-120-08-23`

Property Details

APN / Parcel Number

Primary APN	`33-120-08-23`
Alternative APNs	`33-120-08-23-00-0-00-000` `33120082200000001` `2208538`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Stories	2 Stories
Building Area	2,424 sqft Living Area
1st Floor Area	1,200 sqft
Basement Area	1,218 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	18,653 sqft (0.428 acres)
Lot Dimensions	170 ft deep x 110 ft wide
Garage Type	Attached
Garage Area	1,350 sqft
Parking Spaces	5 Parking Spaces
Porch	Open Porch
Porch Area	304 sqft
Shed	1 Shed

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	2208538
Street Address	3609 S PHELPS RD
City	INDEPENDENCE
State	MO
Zip	64055-3503
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HILLBROOK--- DAF: BEG NW COR OF RESVY OF LTS 4 & 5 TH S 01 D EG 42 MIN 08 SEC W 112 TH N 39 DEG 53 MIN 28 SEC W 69 TH N 60 DEG 35 MIN 15 SEC W 91.38 TH N 01 DEG 46 MIN 38 SEC E 1
Legal Subdivision	HILLBROOK
Legal Block	2
Legal Lot Number	4,5
Jurisdiction	JACKSON MO
Township / Civil Division	BLUE
Census Block Group	2
Census Block	2005
Census Tract	14601

Owner

Source: Jackson County records, as of September 14, 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	2 Individual Names on Record
Mailing Address	3609 S PHELPS RD, INDEPENDENCE, MO 64055-3503
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Sep 1, 2026	Warranty Deed, Transfer · Conventional Mortgage GUILD MORTGAGE COMPANY
Jan 23, 2024	Deed of Trust, Mortgage · Conventional Mortgage COMMERCE BANK
Feb 15, 2022	Deed of Trust, Mortgage · Line of Credit COMMERCE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 1, 2026 · Amount on Record
Deed Sale	Sep 1, 2026 · Amount on Record
Prior Sale	Aug 1, 1997 · Amount on Record
Deed Document Number	202666747
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON MO
Recording Date	Sep 1, 2026
Property Address	3609 S PHELPS RD, INDEPENDENCE, MO 64055-3503
Document Number	0000066747
Instrument Date	Aug 28, 2026
Instrument	202666747
Transaction Type	Transfer
Record Updated	Oct 23, 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	3609 S PHELPS RD, INDEPENDENCE, MO 64055-3503

Mortgage

Document Number	0000066988,
Date	Sep 1, 2026
Instrument	2026E66988

Lender

Name	GUILD MORTGAGE COMPANY

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

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

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON MO
Property Address	3609 S PHELPS RD, INDEPENDENCE, MO 64055-3503
Transaction Type	Mortgage
Record Updated	Jan 30, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3609 S PHELPS RD, INDEPENDENCE, MO 64055-3503

Mortgage

Document Number	00E0004371
Date	Jan 23, 2024
Instrument	2024E0004371

Lender

Name	COMMERCE BANK
Type	Bank
Address	KANSAS CITY, MO 64106

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2054

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON MO
Property Address	3609 S PHELPS RD, INDEPENDENCE, MO 64055-3503
Transaction Type	Mortgage
Record Updated	Oct 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3609 S PHELPS RD, INDEPENDENCE, MO 64055-3503

Mortgage

Document Number	00E0015043
Date	Feb 15, 2022
Instrument	2022E0015043

Lender

Name	COMMERCE BANK
Type	Bank
Address	KANSAS CITY, MO 64106

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Feb 8, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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		$48,872 (-) Land $5,860 Building $43,012	$257,220 (-)
2025	$3,492.00 (-22%)	$48,872 (-24.38%) Land $5,860 Building $43,012	$257,220 (-24.38%)
2024	$4,477.00 (+2.33%)
2023	$4,375.00	$64,625 Land $4,788 Building $59,837	$340,130

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 Claims	2 (1982–1998)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Jul 1998 · Severe Storms And 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

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	0.02% 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 411 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, DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250

May also be available: T-Mobile, Verizon, Wisper ISP.

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