401 N Speck Ave, Independence, MO 64056 Property Records

Jackson County property record for 401 N Speck Ave, Independence, MO 64056

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,053 sqft · built 1970
Lot Size	0.329 acres (14,328 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,847 (2025)
Deeds & Mortgages	May 2023 Mortgage May 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`16-820-05-25`

Property Details

APN / Parcel Number

Primary APN	`16-820-05-25`
Alternative APNs	`16-820-05-25-00-0-00-000` `16820052500000001` `739656`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,053 sqft Living Area
1st Floor Area	651 sqft
Basement Area	840 sqft
Finished Basement	252 sqft
Unfinished Basement	588 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1970
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	14,328 sqft (0.329 acres)
Garage Type	Attached
Garage Area	500 sqft
Parking Spaces	2 Parking Spaces
Porch	Covered Porch
Porch Area	32 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	739656
Street Address	401 N SPECK AVE
City	INDEPENDENCE
State	MO
Zip	64056-2058
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRAILWOOD LOTS 1-77 & TRACT A LOT 47
Legal Subdivision	TRAILWOOD
Legal Tract	A
Legal Block	3
Legal Lot Number	47
Jurisdiction	JACKSON MO
Township / Civil Division	BLUE
Census Block Group	3
Census Block	3041
Census Tract	11406

Owner

401 N Speck Ave is owned and occupied by two individuals who acquired it in May 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	401 N SPECK AVE, INDEPENDENCE, MO 64056-2058
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
May 15, 2023	Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO
May 1, 2023	Warranty Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO
Sep 6, 2019	Warranty Deed, Transfer · FHA Mortgage MO BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 1, 2023
Deed Sale	May 1, 2023
Prior Sale	Sep 6, 2019 · Amount on File
Deed Document Number	202330282
Prior Transfer Date	Feb 20, 1997
Prior Transfer Doc	0000000551
Record Updated	Oct 29, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON MO
Property Address	401 N SPECK AVE, INDEPENDENCE, MO 64056-2058
Transaction Type	Mortgage
Record Updated	Oct 12, 2023
Title Company	SECURITY ABSTRACT, SECURITY 1ST

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6601 W 138TH TER 2237, 2237, OVERLAND PARK, KS 66223-7838
Investor	Possibly a Property Investor

Mortgage

Document Number	00E0033538
Date	May 15, 2023
Instrument	2023E0033538

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2053

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON MO
Recording Date	May 1, 2023
Property Address	401 N SPECK AVE, INDEPENDENCE, MO 64056-2058
Document Number	00E0030282
Instrument Date	May 1, 2023
Instrument	2023E0030282
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	ALLIANCE TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 N SPECK AVE, INDEPENDENCE, MO 64056-2058
Investor	Possibly a Property Investor

Mortgage

Document Number	00E0033538
Date	May 1, 2023
Instrument	2023E0033538

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2053

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON MO
Recording Date	Sep 6, 2019
Property Address	401 N SPECK AVE, INDEPENDENCE, MO 64056-2058
Document Number	0000E71244
Instrument Date	Aug 23, 2019
Instrument	71244E
Transaction Type	Transfer
Record Updated	Oct 11, 2019
Title Company	COFFELT LAND TITLE INC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 N SPECK AVE INDEPENDENCE MO 640562058, INDEPENDENCE, MO 64056-2058

Mortgage

Document Number	E71245
Date	Sep 6, 2019
Instrument	71245E

Lender

Name	MO BK
Type	Bank
Address	TULSA, OK 74153

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 5, 2049

Mortgage

Document Number	E71246,
Date	Sep 6, 2019
Instrument	71246E

Lender

Name	HOUSING & CMNTY DEV DEPT
Type	Construction/Development Company
Address	920 MAIN ST # 1400, KANSAS CITY, MO 64105-2189

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 401 N Speck Ave was $1,847, up 18.6% 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		$25,846 (-) Land $4,748 Building $21,098	$136,030 (-)
2025	$1,847.00 (+18.63%)	$25,846 Land $4,748 Building $21,098	$136,030
2024	$1,557.00 (+2.37%)
2023	$1,521.00	$22,475 Land $2,088 Building $20,387	$118,290

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

Flood

FEMA maps place 401 N Speck Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	1 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 401 N Speck 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 98% of the US · lower than 96% 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 158 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250

May also be available: Wisper ISP.

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