4308 S Cottage Ave, Independence, MO 64055 Property Records

Jackson County property record for 4308 S Cottage Ave, Independence, MO 64055

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 928 sqft · built 1963
Lot Size	0.167 acres (7,260 sqft)
Owner	2 Individual Names on File
Last Sale	$214,063 (Jun 2023)
Tax Bill	$1,840 (2025)
Deeds & Mortgages	Jun 2023 Mortgage Jun 2023 Sale
Flood Zone	Zone X (minimal risk)
APN	`33-410-05-07`

Property Details

APN / Parcel Number

Primary APN	`33-410-05-07`
Alternative APNs	`33-410-05-07-00-0-00-000` `33410050700000001` `879400`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Stories	1 Story
Building Area	928 sqft Living Area
1st Floor Area	648 sqft
Basement Area	384 sqft
Flooring	Carpet

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Architectural Style	Split Level
Exterior Material	Brick/Stone
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	7,260 sqft (0.167 acres)
Lot Dimensions	115 ft deep x 65 ft wide
Garage Type	Attached
Garage Area	240 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Covered Porch
Porch Area	24 sqft
Deck Area	60 sqft
Patio Area	72 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	879400
Street Address	4308 S COTTAGE AVE
City	INDEPENDENCE
State	MO
Zip	64055-4507
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FAIRWAY GARDENS LOT 205
Legal Subdivision	FAIRWAY GARDENS
Legal Block	4
Legal Lot Number	205
Jurisdiction	JACKSON MO
Township / Civil Division	BLUE
Census Block Group	4
Census Block	4011
Census Tract	12400

Owner

4308 S Cottage Ave is owned and occupied by two individuals who bought it in June 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	4308 S COTTAGE AVE, INDEPENDENCE, MO 64055-4507
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Jun 27, 2023	Deed of Trust, Mortgage · Conventional Mortgage PRIMELENDING
Jun 26, 2023	Warranty Deed, Transfer MERIDIAN TITLE COMPANY INC, MERIDIAN TITLE COMPANY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 26, 2023 · Amount on File
Deed Sale	Jun 26, 2023 · Amount on File
Deed Document Number	202344610
Prior Transfer Date	Jul 14, 2015
Prior Transfer Doc	00E0062234
Record Updated	Oct 29, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON MO
Property Address	4308 S COTTAGE AVE, INDEPENDENCE, MO 64055-4507
Transaction Type	Mortgage
Record Updated	Aug 10, 2023
Title Company	ALLIANCE TI, ALLIANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4308 S COTTAGE AVE, INDEPENDENCE, MO 64055-4507

Mortgage

Document Number	00E0044847
Date	Jun 27, 2023
Instrument	2023E0044847

Lender

Name	PRIMELENDING
Type	Mortgage Company
Address	DALLAS, TX 75252

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2053

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON MO
Recording Date	Jun 26, 2023
Property Address	4308 S COTTAGE AVE, INDEPENDENCE, MO 64055-4507
Document Number	00E0044610
Instrument Date	Jun 23, 2023
Instrument	2023E0044610
Transaction Type	Transfer
Record Updated	Jul 10, 2023
Title Company	MERIDIAN TITLE COMPANY INC, MERIDIAN TITLE COMPANY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4308 S COTTAGE AVE, INDEPENDENCE, MO 64055-4507

Tax Assessment & Valuation

The 2025 property tax bill for 4308 S Cottage Ave was $1,840, up 5.2% 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	Raytown C-2 School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$22,364 (-) Land $4,741 Building $17,623	$117,700 (-)
2025	$1,840.00 (+5.2%)	$22,364 Land $4,741 Building $17,623	$117,700
2024	$1,749.00 (+0.52%)
2023	$1,740.00 (+24.46%)	$21,833 (+29.11%) Land $3,509 Building $18,324	$114,910
2022	$1,398.00	$16,911 Land $3,145 Building $13,766
2021			$89,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 4308 S Cottage Ave in Zone X, an area of minimal flood risk.

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

Wildfire risk around 4308 S Cottage 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 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.

Nearby Properties on S Cottage Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures