3909 S Phelps Rd, Independence, MO 64055 Property Records

Jackson County property record for 3909 S Phelps Rd, Independence, MO 64055

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,406 sqft · built 1966
Lot Size	0.714 acres (31,086 sqft)
Owner	Individual Name on Record
Last Sale	$108,800 (Jun 2021)
Tax Bill	$3,950 (2025)
Deeds & Mortgages	Mar 2024 Mortgage Aug 2020 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`33-130-03-10`

Property Details

APN / Parcel Number

Primary APN	`33-130-03-10`
Alternative APNs	`33-130-03-10-00-0-00-000` `33130031000000001` `876062`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	2,406 sqft Living Area
Gross Area	5,494 sqft
1st Floor Area	2,406 sqft
Basement Area	2,406 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Steel Frame
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	31,086 sqft (0.714 acres)
Lot Dimensions	234 ft deep x 140 ft wide
Garage Type	Attached
Garage Area	682 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	54 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	876062
Street Address	3909 S PHELPS RD
City	INDEPENDENCE
State	MO
Zip	64055-4216
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECTION 24 TOWNSHIP 49 RANG E 32 BEG SW COR LOT 1 FRANK LINS TERR. TH S 140 TH E 234.06 TH N140TH W TO POB.
Legal Range	32W
Legal Township	49N
Legal Section	24
Legal Subdivision	FRANKLINS TERRACE
Legal Block	4
Legal Lot Number	1
Jurisdiction	JACKSON MO
Township / Civil Division	BLUE
Census Block Group	4
Census Block	4010
Census Tract	14601

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	Individual Name on Record
Mailing Address	3909 S PHELPS RD, INDEPENDENCE, MO 64055-4216
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 4, 2024	Deed of Trust, Mortgage · Closed-End Mortgage COMMUNITYAMERICA CU
Aug 7, 2020	Deed of Trust, Construction Loan · Construction Mortgage MERCHANTS MTG & TR CORP LLC
Nov 22, 2017	Warranty Deed, Transfer · FHA Mortgage ACADEMY MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 23, 2021 · Amount on Record
Deed Sale	Jun 23, 2021 · Amount on Record
Prior Sale	Apr 18, 2019
Deed Document Number	2021E68386
Record Updated	Oct 29, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON MO
Property Address	3909 S PHELPS RD, INDEPENDENCE, MO 64055-4216
Transaction Type	Mortgage
Record Updated	Mar 11, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00E0013351
Date	Mar 4, 2024
Instrument	2024E0013351

Lender

Name	COMMUNITYAMERICA CU
Type	Credit Union
Address	LENEXA, KS 66219

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded
Term	299 Months
Due	Feb 15, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	10 Years
Index	FHLBNY's 5-Year Index

August 2020: Deed of Trust, Construction Loan

Document Type	Deed of Trust
Jurisdiction	JACKSON MO
Recording Date	Aug 7, 2020
Property Address	3909 S PHELPS RD, INDEPENDENCE, MO 64055-4216
Document Number	0000E69241
Instrument Date	Aug 5, 2020
Instrument	69241E
Transaction Type	Construction Loan
Record Updated	Aug 25, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3909 S PHELPS RD INDEPENDENCE MO 640554216, INDEPENDENCE, MO 64055-4216

Mortgage

Document Number	0000E69241
Date	Aug 7, 2020
Instrument	69241E

Lender

Name	MERCHANTS MTG & TR CORP LLC
Type	Mortgage Company
Address	GREENWOOD VILLAGE, CO 80111

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Aug 6, 2021

Interest

Rate	10%

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON MO
Recording Date	Nov 22, 2017
Property Address	3909 S PHELPS RD, INDEPENDENCE, MO 64055-4216
Document Number	000E105641
Instrument Date	Nov 20, 2017
Instrument	105641E
Transaction Type	Transfer
Record Updated	Sep 3, 2019
Title Company	STEWART TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4444 S COTTAGE AVE INDEPENDENCE MO 640554661, INDEPENDENCE, MO 64055-4661

Mortgage

Document Number	E105642
Date	Nov 22, 2017
Instrument	105642E

Lender

Name	ACADEMY MTG
Type	Mortgage Company
Address	DRAPER, UT 84020

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 21, 2047

Mortgage

Document Number	E109103,
Date	Nov 22, 2017
Instrument	109103E

Lender

Name	ACADEMY MTG
Type	Mortgage Company
Address	DRAPER, UT 84020

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Nov 21, 2047

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		$55,281 (-) Land $6,829 Building $48,452	$290,950 (-)
2025	$3,950.00 (+9.12%)	$55,281 (-9.71%) Land $6,829 Building $48,452	$290,950 (-9.71%)
2024	$3,620.00 (-12.67%)
2023	$4,145.00	$61,228 Land $5,265 Building $55,963	$322,250

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 · 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	7 (1982)
Claims Outside the SFHA	6 of 7
Most Recent Claim	Aug 1982 · tidal / storm surge

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 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 490 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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