5121 S Cottage Ave, Independence, MO 64055 Property Records

Jackson County property record for 5121 S Cottage Ave, Independence, MO 64055

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,188 sqft · built 1964
Lot Size	0.203 acres (8,830 sqft)
Owner	2 Individual Names on Record
Last Sale	$260,680 (May 2026)
Tax Bill	$1,943 (2025)
Deeds & Mortgages	May 2026 Sale May 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`33-910-09-10`

Property Details

APN / Parcel Number

Primary APN	`33-910-09-10`
Alternative APNs	`33-910-09-10-00-0-00-000` `33910091000000001` `883355`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Stories	1 Story
Building Area	1,188 sqft Living Area
1st Floor Area	572 sqft
Basement Area	572 sqft
Finished Basement	214 sqft
Unfinished Basement	358 sqft
Flooring	Carpet

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Architectural Style	Split Level
Exterior Material	Wood Siding
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	8,830 sqft (0.203 acres)
Lot Dimensions	105 ft deep x 86 ft wide
Garage Type	Attached
Garage Area	286 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Porch
Porch Area	24 sqft
Deck Area	516 sqft
Patio Area	516 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	883355
Street Address	5121 S COTTAGE AVE
City	INDEPENDENCE
State	MO
Zip	64055-5560
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CHAPEL PARK LOT 44 (EX S 5)
Legal Subdivision	CHAPEL PARK
Legal Block	2
Legal Lot Number	44
Jurisdiction	JACKSON MO
Township / Civil Division	BLUE
Census Block Group	2
Census Block	2017
Census Tract	12400

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	5121 S COTTAGE AVE, INDEPENDENCE, MO 64055-5560
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
May 11, 2026	Warranty Deed, Transfer PLATINUM TITLE LLC, PLATINUM TITLE
May 11, 2026	Warranty Deed, Transfer · Conventional Mortgage EVERETT FINANCIAL INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 11, 2026 · Amount on Record
Deed Sale	May 11, 2026 · Amount on Record
Prior Sale	Sep 24, 2025 · Amount on Record
Deed Document Number	202634263
Record Updated	Oct 29, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON MO
Recording Date	May 11, 2026
Property Address	5121 S COTTAGE AVE, INDEPENDENCE, MO 64055-5560
Document Number	0000034263
Instrument Date	Apr 29, 2026
Instrument	2026.34263
Transaction Type	Transfer
Record Updated	May 20, 2026
Title Company	PLATINUM TITLE LLC, PLATINUM TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5121 S COTTAGE AVE, INDEPENDENCE, MO 64055-5560

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON MO
Recording Date	May 11, 2026
Property Address	5121 S COTTAGE AVE, INDEPENDENCE, MO 64055-5560
Document Number	00E0034263
Instrument Date	Apr 29, 2026
Instrument	2026.34263
Transaction Type	Transfer
Record Updated	May 22, 2026
Title Company	PLATINUM TITLE LLC, PLATINUM TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Estimated Sale Price
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5121 S COTTAGE AVE, INDEPENDENCE, MO 64055-5560

Mortgage

Document Number	0000034920,
Date	May 11, 2026
Instrument	2026E.34920

Lender

Name	EVERETT FINANCIAL INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	481 Months
Due	Jun 1, 2066

Interest

Rate Type	Fixed Rate
Rate	6.38%
Initial Type	Fixed Rate
Max Rate	-1%

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		$23,619 (-) Land $4,224 Building $19,395	$124,310 (-)
2025	$1,943.00 (-23.53%)	$23,619 (-25.56%) Land $4,224 Building $19,395	$124,310 (-25.56%)
2024	$2,541.00 (+0.47%)
2023	$2,529.00	$31,728 Land $3,633 Building $28,095	$166,990

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

Flood

Source: FEMA National Flood Hazard Layer, effective May 28, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 556 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
Everfast Fiber Fiber	1,000 / 1,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Google Fiber, Wisper ISP.

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