4301 S Cottage Ave, Independence, MO 64055 Property Records

Jackson County property record for 4301 S Cottage Ave, Independence, MO 64055

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,074 sqft · built 1962
Lot Size	0.235 acres (10,228 sqft)
Owner	2 Individual Names on Record
Last Sale	$190,000 (Jul 2023)
Tax Bill	$2,005 (2025)
Deeds & Mortgages	Jul 2023 Mortgage Apr 2021 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`33-410-04-02`

Property Details

APN / Parcel Number

Primary APN	`33-410-04-02`
Alternative APNs	`33-410-04-02-00-0-00-000` `33410040200000001` `879387`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	1,074 sqft Living Area
1st Floor Area	1,050 sqft
Basement Area	1,050 sqft
Flooring	Carpet

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Architectural Style	Ranch
Exterior Material	Brick/Stone
Construction Type	Steel Frame
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	10,228 sqft (0.235 acres)
Lot Dimensions	115 ft deep x 91 ft wide
Garage Type	Attached
Garage Area	300 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	40 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Gas

Location & Zoning

Account Number	879387
Street Address	4301 S COTTAGE AVE
City	INDEPENDENCE
State	MO
Zip	64055-4506
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FAIRWAY GARDENS LOT 208
Legal Subdivision	FAIRWAY GARDENS
Legal Block	1
Legal Lot Number	208
Jurisdiction	JACKSON MO
Township / Civil Division	BLUE
Census Block Group	1
Census Block	1025
Census Tract	12400

Owner

Source: Jackson County records, as of August 24, 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	4301 S COTTAGE AVE, INDEPENDENCE, MO 64055-4506
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

Deeds, Mortgages & Sale History

Date	Document
Jul 6, 2023	Deed of Trust, Mortgage · Conventional Mortgage FIRST FEDERAL BANK OF KANSAS CITY
Apr 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage PROSPERITY HOME MORTGAGE LLC
Jul 10, 2023	Quit Claim Deed, Transfer Quitclaim
Jul 5, 2023	Personal Representative Deed, Transfer CONTINENTAL TITLE
Apr 6, 2021	Deed, Transfer NOT AVAILABLE, ALPHA
Apr 6, 2021	Warranty Deed, Transfer NOT AVAILABLE, ALPHA
Sep 12, 2017	Warranty Deed, Transfer · FHA Mortgage PRIME LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 5, 2023 · Amount on Record
Deed Sale	Jul 5, 2023 · Amount on Record
Prior Sale	Apr 6, 2021
Deed Document Number	202346964
Prior Transfer Date	Jun 30, 2023
Prior Transfer Doc	00E0048011
Record Updated	Oct 29, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON MO
Property Address	4301 S COTTAGE AVE, INDEPENDENCE, MO 64055-4506
Transaction Type	Mortgage
Record Updated	Jul 19, 2023
Title Company	ALLIANCE TI, ALLIANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4301 S COTTAGE AVE, INDEPENDENCE, MO 64055-4506

Mortgage

Document Number	00E0047194
Date	Jul 6, 2023
Instrument	2023E0047194

Lender

Name	FIRST FEDERAL BANK OF KANSAS CITY
Type	Bank
Address	LEES SUMMIT, MO 64081

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jul 1, 2043

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON MO
Property Address	4301 S COTTAGE AVE, INDEPENDENCE, MO 64055-4506
Transaction Type	Mortgage
Record Updated	Jul 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00E0037507
Date	Apr 8, 2021
Instrument	2021E0037507

Lender

Name	PROSPERITY HOME MORTGAGE LLC
Type	Mortgage Company
Address	CHANTILLY, VA 20151

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

July 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	JACKSON MO
Recording Date	Jul 10, 2023
Property Address	4301 S COTTAGE AVE, INDEPENDENCE, MO 64055-4506
Document Number	00E0048011
Instrument Date	Jun 30, 2023
Instrument	2023E0048011
Transaction Type	Transfer
Record Updated	Jul 19, 2023

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	4301 S COTTAGE AVE, INDEPENDENCE, MO 64055-4506

July 2023: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	JACKSON MO
Recording Date	Jul 5, 2023
Property Address	4301 S COTTAGE AVE, INDEPENDENCE, MO 64055-4506
Document Number	00E0046964
Instrument Date	Jun 28, 2023
Instrument	2023E0046964
Transaction Type	Transfer
Record Updated	Jul 19, 2023
Title Company	CONTINENTAL TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6825 W HARRISON ST, CHANDLER, AZ 85226-1638

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4301 S COTTAGE AVE, INDEPENDENCE, MO 64055-4506

April 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	JACKSON MO
Recording Date	Apr 6, 2021
Property Address	4301 S COTTAGE AVE, INDEPENDENCE, MO 64055-4506
Document Number	00E0036709
Instrument Date	Mar 31, 2021
Instrument	2021E0036709
Transaction Type	Transfer
Record Updated	Jul 19, 2023
Title Company	NOT AVAILABLE, ALPHA

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4301 S COTTAGE AVE, INDEPENDENCE, MO 64055-4506
Investor	Possibly a Property Investor

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON MO
Recording Date	Apr 6, 2021
Property Address	4301 S COTTAGE AVE, INDEPENDENCE, MO 64055-4506
Document Number	00E0036711
Instrument Date	Mar 30, 2021
Instrument	2021E0036711
Transaction Type	Transfer
Record Updated	Jul 19, 2023
Title Company	NOT AVAILABLE, ALPHA

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4301 S COTTAGE AVE, INDEPENDENCE, MO 64055-4506

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON MO
Recording Date	Sep 12, 2017
Property Address	4301 S COTTAGE AVE, INDEPENDENCE, MO 64055-4506
Document Number	0000E84146
Instrument Date	Aug 30, 2017
Instrument	84146E
Transaction Type	Transfer
Record Updated	Sep 21, 2017
Title Company	ALPHA TITLE GUARANTY INC, ALPHA TITLE GNTY INC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4301 S COTTAGE AVE INDEPENDENCE MO 640554506, INDEPENDENCE, MO 64055-4506

Mortgage

Document Number	E84147
Date	Sep 12, 2017
Instrument	84147E

Lender

Name	PRIME LNDG
Address	DALLAS, TX 75252

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 11, 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	Raytown C-2 School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$24,374 (-) Land $5,159 Building $19,215	$128,280 (-)
2025	$2,005.00 (-3.47%)	$24,374 (-6.02%) Land $5,159 Building $19,215	$128,280 (-6.02%)
2024	$2,077.00 (+0.48%)
2023	$2,067.00 (+35.63%)	$25,935 (+40.71%) Land $3,127 Building $22,808	$136,500 (+40.72%)
2022	$1,524.00	$18,431 Land $4,038 Building $14,393
2021			$97,000

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
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

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 412 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless, DSL in parts of the area	5,000 / 5,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Spectrum, Wisper ISP.

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