710 N Cottage St, Independence, MO 64050 Property Records

Jackson County property record for 710 N Cottage St, Independence, MO 64050

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,392 sqft · built 1935
Lot Size	0.173 acres (7,517 sqft)
Owner	Individual Name on Record
Last Sale	$160,000 (Aug 2022)
Tax Bill	$2,260 (2025)
Deeds & Mortgages	Aug 2022 Sale & Mortgage Jun 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`26-310-14-11`

Property Details

APN / Parcel Number

Primary APN	`26-310-14-11`
Alternative APNs	`26-310-14-11-00-0-00-000` `26310141100000001` `777311`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,392 sqft Living Area
1st Floor Area	608 sqft
Basement Area	1,027 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1935
Effective Year Built	Effective 1935
Architectural Style	Cape Cod
Exterior Material	Brick/Stone
Construction Type	Concrete
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	7,517 sqft (0.173 acres)
Lot Dimensions	150 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	250 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Covered Porch
Porch Area	201 sqft
Deck Area	526 sqft
Patio Area	526 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	777311
Street Address	710 N COTTAGE ST
City	INDEPENDENCE
State	MO
Zip	64050-2412
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MCCAULEY PARK LOT 5 BLK 6
Legal Subdivision	MCCAULEY PARK
Legal Block	6
Legal Lot Number	5
Jurisdiction	JACKSON MO
Township / Civil Division	BLUE
Census Block Group	1
Census Block	1002
Census Tract	11602

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	Individual Name on Record
Mailing Address	710 N COTTAGE ST, INDEPENDENCE, MO 64050-2412
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Aug 11, 2022	Personal Representative Deed, Transfer · Conventional Mortgage FLAT BRANCH HOME LOANS INC
Jun 25, 2020	Deed of Trust, Mortgage BANK OF AMERICA
Aug 29, 2017	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 11, 2022 · Amount on Record
Deed Sale	Aug 11, 2022 · Amount on Record
Deed Document Number	202275374
Record Updated	Oct 29, 2026

August 2022: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	JACKSON MO
Recording Date	Aug 11, 2022
Property Address	710 N COTTAGE ST, INDEPENDENCE, MO 64050-2412
Document Number	00E0075374
Instrument Date	Aug 5, 2022
Instrument	2022E0075374
Transaction Type	Transfer
Record Updated	Aug 18, 2022
Title Company	CONTINENTAL TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
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
Relationship	Joint Tenants with Right of Survivorship
Address	710 N COTTAGE ST, INDEPENDENCE, MO 64050-2412

Mortgage

Document Number	00E0075403
Date	Aug 11, 2022
Instrument	2022E0075403

Lender

Name	FLAT BRANCH HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON MO
Property Address	710 N COTTAGE ST, INDEPENDENCE, MO 64050-2412
Document Number	0000E56616
Instrument Date	Jun 25, 2020
Transaction Type	Mortgage
Record Updated	Jul 29, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	710 N COTTAGE ST INDEPENDENCE MO 640502412, INDEPENDENCE, MO 64050-2412

Mortgage

Document Number	0000E56616
Date	Jul 6, 2020
Instrument	56616E

Lender

Name	BANK OF AMERICA
Type	Bank
Address	FLINT, MI 48501-2026

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 5, 2050

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JACKSON MO
Property Address	710 N COTTAGE ST, INDEPENDENCE, MO 64050-2412
Document Number	0000E82391
Instrument Date	Aug 29, 2017
Transaction Type	Mortgage
Record Updated	Aug 24, 2018
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	710 N COTTAGE ST INDEPENDENCE MO 640502412, INDEPENDENCE, MO 64050-2412

Mortgage

Document Number	0000E82391
Date	Sep 6, 2017
Instrument	82391E

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 5, 2047

Interest

Rate Type	Adjustable Rate

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		$31,631 (-) Land $3,870 Building $27,761	$166,480 (-)
2025	$2,260.00 (+137.39%)	$31,631 (+14.99%) Land $3,870 Building $27,761	$166,480 (+15%)
2024	$952.00 (+2.26%)
2023	$931.00	$27,507 Land $3,804 Building $23,703	$144,770

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

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 99.1% of the US · lower than 98.2% of Missouri
Wildfire Likelihood	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 321 locations within half a mile, as of December 31, 2025

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

May also be available: T-Mobile, Wisper ISP.

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