504 N Speck Ave, Independence, MO 64056 Property Records

Jackson County property record for 504 N Speck Ave, Independence, MO 64056

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 950 sqft · built 1979
Lot Size	0.212 acres (9,249 sqft)
Owner	2 Individual Names on Record
Last Sale	$117,000 (Feb 2017)
Tax Bill	$1,857 (2025)
Deeds & Mortgages	Oct 2020 Line of Credit Oct 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`16-820-03-28`

Property Details

APN / Parcel Number

Primary APN	`16-820-03-28`
Alternative APNs	`16-820-03-28-00-0-00-000` `16820032800000001` `739605`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	950 sqft Living Area
1st Floor Area	440 sqft
Basement Area	880 sqft
Finished Basement	440 sqft
Unfinished Basement	440 sqft
Flooring	Carpet

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Steel Frame
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	9,249 sqft (0.212 acres)
Lot Dimensions	144 ft deep x 69 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	216 sqft
Patio Area	216 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Account Number	739605
Street Address	504 N SPECK AVE
City	INDEPENDENCE
State	MO
Zip	64056-2061
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRAILWOOD LOT 69
Legal Subdivision	TRAILWOOD
Legal Block	3
Legal Lot Number	69
Jurisdiction	JACKSON MO
Township / Civil Division	BLUE
Census Block Group	3
Census Block	3041
Census Tract	11406

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	504 N SPECK AVE, INDEPENDENCE, MO 64056-2061
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 19, 2020	Deed of Trust, Mortgage · Line of Credit COMMUNITYAMERICA CU
Oct 19, 2020	Deed of Trust, Mortgage COMMUNITY CU
Feb 1, 2017	Warranty Deed, Transfer · FHA Mortgage GATEWAY MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 1, 2017 · Amount on Record
Deed Sale	Feb 1, 2017 · Amount on Record
Prior Sale	Feb 28, 2006
Deed Document Number	2017E9523
Prior Transfer Date	Jul 3, 1997
Prior Transfer Doc	0000000597
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON MO
Property Address	504 N SPECK AVE, INDEPENDENCE, MO 64056-2061
Document Number	000E122482
Instrument Date	Oct 19, 2020
Transaction Type	Mortgage
Record Updated	Feb 2, 2021
Title Company	WORLDWIDE RECORDING INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	504 N SPECK AVE INDEPENDENCE MO 640562061, INDEPENDENCE, MO 64056-2061

Mortgage

Document Number	000E122482
Date	Dec 21, 2020
Instrument	122482E

Lender

Name	COMMUNITYAMERICA CU
Type	Credit Union
Address	LENEXA, KS 66219

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Dec 20, 2045

Interest

Rate Type	Adjustable Rate

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON MO
Property Address	504 N SPECK AVE, INDEPENDENCE, MO 64056-2061
Document Number	000E109903
Instrument Date	Oct 19, 2020
Transaction Type	Mortgage
Record Updated	Jan 20, 2021
Title Company	WORLDWIDE RECORDING INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	504 N SPECK AVE INDEPENDENCE MO 640562061, INDEPENDENCE, MO 64056-2061

Mortgage

Document Number	000E109903
Date	Nov 19, 2020
Instrument	109903E

Lender

Name	COMMUNITY CU
Type	Credit Union
Address	LENEXA, KS 66219

Agreement

Amount	Amount Recorded

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON MO
Recording Date	Feb 1, 2017
Property Address	504 N SPECK AVE, INDEPENDENCE, MO 64056-2061
Document Number	0000E09523
Instrument Date	Jan 31, 2017
Instrument	9523E
Transaction Type	Transfer
Record Updated	Feb 20, 2017
Title Company	KANSAS CITY TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	504 N SPECK AVE INDEPENDENCE MO 640562061, INDEPENDENCE, MO 64056-2061

Mortgage

Document Number	E09972
Date	Feb 1, 2017
Instrument	9972E

Lender

Name	GATEWAY MTG
Type	Mortgage Company
Address	JENKS, OK 74037-3448

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 31, 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		$25,996 (-) Land $4,644 Building $21,352	$136,820 (-)
2025	$1,857.00 (+18.58%)	$25,996 (+15%) Land $4,644 Building $21,352	$136,820 (+14.99%)
2024	$1,566.00 (+2.35%)
2023	$1,530.00	$22,606 Land $1,805 Building $20,801	$118,980

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
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

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

Wildfire Risk	Low lower than 64% of the US · lower than 73% of Missouri
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

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

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

May also be available: Wisper ISP.

Cell Coverage

5G (outdoors only) and 4G LTE

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