646 S Lake Dr, Independence, MO 64053 Property Records

Jackson County property record for 646 S Lake Dr, Independence, MO 64053

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,964 sqft · built 1920
Lot Size	0.142 acres (6,174 sqft)
Owner	Individual Name on File
Tax Bill	$781 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Mar 2022 Transfer
Flood Zone	Zone X (minimal risk)
APN	`27-120-06-57`

Property Details

APN / Parcel Number

Primary APN	`27-120-06-57`
Alternative APNs	`27-120-06-57-00-0-00-000` `27120065700000001` `787543`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Stories	1 Story
Building Area	1,964 sqft Living Area
1st Floor Area	740 sqft
Flooring	Carpet

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Steel Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	6,174 sqft (0.142 acres)
Lot Dimensions	123 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	252 sqft
Parking Spaces	1 Parking Space
Deck Area	120 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	787543
Street Address	646 S LAKE DR
City	INDEPENDENCE
State	MO
Zip	64053-1836
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HUTCHINS PARK LOT 14 BLK 6
Legal Subdivision	HUTCHINS PARK
Legal Block	6
Legal Lot Number	14
Jurisdiction	JACKSON MO
Township / Civil Division	BLUE
Census Block Group	1
Census Block	1007
Census Tract	11002

Owner

646 S Lake Dr is owned and occupied by an individual who acquired it in March 2022.

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

Owner of Record	Individual Name on File
Mailing Address	646 S LAKE DR, INDEPENDENCE, MO 64053-1836
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
Mar 23, 2022	Warranty Deed, Transfer · FHA Mortgage LEADER ONE FINANCIAL CORP
Mar 23, 2022	Quit Claim Deed, Transfer SECURITY 1ST TITLE/NEVADA, SECURITY 1ST TTL LLC NORTHLA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 23, 2022
Deed Sale	Mar 23, 2022
Prior Sale	May 3, 2010 · Amount on File
Deed Document Number	2022E27628
Prior Transfer Date	Mar 4, 2022
Prior Transfer Doc	00E0027626
Record Updated	Oct 29, 2026

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON MO
Recording Date	Mar 23, 2022
Property Address	646 S LAKE DR, INDEPENDENCE, MO 64053-1836
Document Number	00E0027628
Instrument Date	Mar 21, 2022
Instrument	2022E0027628
Transaction Type	Transfer
Record Updated	Mar 9, 2023
Title Company	SECURITY FIRST TITLE, SECURITY 1ST TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	646 S LAKE DR, INDEPENDENCE, MO 64053-1836

Mortgage

Document Number	00E0028059
Date	Mar 23, 2022
Instrument	2022E0028059

Lender

Name	LEADER ONE FINANCIAL CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

March 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	JACKSON MO
Recording Date	Mar 23, 2022
Property Address	646 S LAKE DR, INDEPENDENCE, MO 64053-1836
Document Number	00E0027626
Map Reference	DOC 2010E0041184
Instrument Date	Mar 4, 2022
Instrument	2022E0027626
Transaction Type	Transfer
Record Updated	Mar 9, 2023
Title Company	SECURITY 1ST TITLE/NEVADA, SECURITY 1ST TTL LLC NORTHLA

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	646 S LAKE DR, INDEPENDENCE, MO 64053-1836

Tax Assessment & Valuation

The 2025 property tax bill for 646 S Lake Dr was $781, down 12.9% 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		$21,358 (-) Land $2,518 Building $18,840	$112,410 (-)
2025	$781.00 (-12.93%)	$21,358 Land $2,518 Building $18,840	$112,410
2024	$897.00 (+2.51%)
2023	$875.00	$25,181 Land $1,273 Building $23,908	$132,530

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 646 S Lake Dr in Zone X, an area of minimal flood risk, within 500 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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	3 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 646 S Lake Dr 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 99.8% of the US · lower than 99.6% 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 551 locations within half a mile, as of December 31, 2025

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

May also be available: Wisper ISP.

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