404 N Speck Ave, Independence, MO 64056 Property Records

Jackson County property record for 404 N Speck Ave, Independence, MO 64056

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 950 sqft · built 1978
Lot Size	0.223 acres (9,723 sqft)
Owner	2 Individual Names on File
Last Sale	$113,500 (Mar 2019)
Tax Bill	$1,904 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Mar 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`16-820-03-22`

Property Details

APN / Parcel Number

Primary APN	`16-820-03-22`
Alternative APNs	`16-820-03-22-00-0-00-000` `16820032200000001` `739599`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	950 sqft Living Area
1st Floor Area	638 sqft
Basement Area	880 sqft
Finished Basement	462 sqft
Unfinished Basement	418 sqft
Flooring	Carpet

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Steel Frame
Foundation Type	Concrete
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	9,723 sqft (0.223 acres)
Lot Dimensions	144 ft deep x 70 ft wide
Garage Type	Attached
Garage Area	250 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Porch
Porch Area	20 sqft
Deck Area	126 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Account Number	739599
Street Address	404 N SPECK AVE
City	INDEPENDENCE
State	MO
Zip	64056-2059
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRAILWOOD LOT 63
Legal Subdivision	TRAILWOOD
Legal Tract	A
Legal Block	3
Legal Lot Number	63
Jurisdiction	JACKSON MO
Township / Civil Division	BLUE
Census Block Group	3
Census Block	3041
Census Tract	11406

Owner

404 N Speck Ave is owned and occupied by two individuals who bought it in March 2019.

Source: Jackson County records, as of October 5, 2026

Owner of Record	2 Individual Names on File
Mailing Address	404 N SPECK AVE, INDEPENDENCE, MO 64056-2059
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
Sep 9, 2026	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Mar 13, 2019	Quit Claim Deed, Mortgage CHURCHILL MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 13, 2019 · Amount on File
Deed Sale	Mar 13, 2019 · Amount on File
Prior Sale	May 18, 2005 · Amount on File
Deed Document Number	2019E17489
Prior Transfer Date	Mar 8, 2019
Prior Transfer Doc	0000E17489
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON MO
Recording Date	Sep 9, 2026
Property Address	404 N SPECK AVE, INDEPENDENCE, MO 64056-2059
Document Number	0000068117
Instrument Date	Sep 2, 2026
Instrument	202668117
Transaction Type	Mortgage
Record Updated	Oct 5, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	404 N SPECK AVE, INDEPENDENCE, MO 64056-2059

Mortgage

Document Number	0000068117,
Date	Sep 9, 2026
Instrument	202668117

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	180 Months
Due	Oct 1, 2041

Interest

Max Rate	-1%

March 2019: Quit Claim Deed, Mortgage

Document Type	Quit Claim Deed
Jurisdiction	JACKSON MO
Recording Date	Mar 13, 2019
Property Address	404 N SPECK AVE, INDEPENDENCE, MO 64056-2059
Document Number	0000E17489
Instrument Date	Mar 8, 2019
Instrument	17489E
Transaction Type	Mortgage
Record Updated	Jun 3, 2019
Title Company	CLEAR TITLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	404 N SPECK AVE INDEPENDENCE MO 640562059, INDEPENDENCE, MO 64056-2059

Mortgage

Document Number	E17490
Date	Mar 13, 2019
Instrument	17490E

Lender

Name	CHURCHILL MTG
Type	Mortgage Company
Address	BRENTWOOD, TN 37027

Agreement

Amount	Amount on Record
Term	180 Months
Due	Mar 12, 2034

Tax Assessment & Valuation

The 2025 property tax bill for 404 N Speck Ave was $1,904, up 12.1% 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	Independence 30 School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$26,642 (-) Land $4,653 Building $21,989	$140,220 (-)
2025	$1,904.00 (+12.07%)	$26,642 Land $4,653 Building $21,989	$140,220
2024	$1,699.00 (+2.29%)
2023	$1,661.00	$24,532 Land $2,101 Building $22,431	$129,120

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 404 N Speck Ave in Zone X, an area of minimal flood risk, within 100 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 100 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 404 N Speck Ave is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 91% 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 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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