820 S Cottage St, Independence, MO 64050 Property Records

Jackson County property record for 820 S Cottage St, Independence, MO 64050

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 864 sqft · built 1925
Lot Size	0.34 acres (14,821 sqft)
Owner	2 Individual Names on File
Last Sale	$151,600 (Dec 2024)
Tax Bill	$826 (2025)
Deeds & Mortgages	Aug 2022 Sale Aug 2022 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`26-410-14-33`

Property Details

APN / Parcel Number

Primary APN	`26-410-14-33`
Alternative APNs	`26-410-14-33-00-0-00-000` `26410143300000001` `779241`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	864 sqft Living Area
Gross Area	954 sqft
1st Floor Area	864 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Architectural Style	Bungalow
Exterior Material	Asbestos
Construction Type	Steel Frame
Foundation Type	Stone
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	14,821 sqft (0.34 acres)
Lot Dimensions	288 ft deep x 50 ft wide
Porch	Slab
Porch Area	230 sqft
Deck Area	64 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	779241
Street Address	820 S COTTAGE ST
City	INDEPENDENCE
State	MO
Zip	64050-4344
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SOUTH SIDE ADD 2----S 50 LOT 5 & N 10 LOT 6 BLK 14
Legal Subdivision	SOUTH SIDE ADD NO 2
Legal Block	14
Legal Lot Number	5,6
Jurisdiction	JACKSON MO
Township / Civil Division	BLUE
Census Block Group	2
Census Block	2024
Census Tract	11702

Owner

820 S Cottage St is owned and occupied by two individuals who bought it in December 2024.

Source: Jackson County records, as of October 14, 2026

Owner of Record	2 Individual Names on File
Mailing Address	820 S COTTAGE ST, INDEPENDENCE, MO 64050-4344
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

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
Aug 22, 2022	Warranty Deed, Transfer
Aug 22, 2022	Quit Claim Deed, Transfer Quitclaim
Aug 22, 2022	Beneficiary Deed, Transfer
May 2, 2022	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 16, 2024 · Amount on File
Deed Sale	Dec 16, 2024 · Amount on File
Prior Sale	Dec 16, 2024 · Amount on File
Deed Document Number	202485507
Prior Transfer Date	Dec 10, 2024
Prior Transfer Doc	0000085506
Record Updated	Oct 29, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON MO
Recording Date	Aug 22, 2022
Property Address	820 S COTTAGE ST, INDEPENDENCE, MO 64050-4344
Document Number	00E0078502
Instrument Date	Aug 12, 2022
Instrument	2022E0078502
Transaction Type	Transfer
Record Updated	Sep 13, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	611 NE SAINT ANDREWS CIR, LEES SUMMIT, MO 64064-1322

August 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	JACKSON MO
Recording Date	Aug 22, 2022
Property Address	820 S COTTAGE ST, INDEPENDENCE, MO 64050-4344
Document Number	00E0078501
Instrument Date	Aug 12, 2022
Instrument	2022E0078501
Transaction Type	Transfer
Record Updated	Sep 13, 2022

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	611 NE SAINT ANDREWS CIR, LEES SUMMIT, MO 64064-1322

August 2022: Beneficiary Deed, Transfer

Document Type	Beneficiary Deed
Jurisdiction	JACKSON MO
Recording Date	Aug 22, 2022
Property Address	820 S COTTAGE ST, INDEPENDENCE, MO 64050-4344
Document Number	00E0078503
Instrument Date	Aug 12, 2022
Instrument	2022E0078503
Transaction Type	Transfer
Record Updated	Aug 16, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2770 ARDENNES CIR, SEASIDE, CA 93955-7411

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON MO
Recording Date	May 2, 2022
Property Address	820 S COTTAGE ST, INDEPENDENCE, MO 64050-4344
Document Number	00E0041664
Instrument Date	Apr 25, 2022
Instrument	2022E0041664
Transaction Type	Transfer
Record Updated	Sep 13, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	611 NE SAINT ANDREWS CIR, LEES SUMMIT, MO 64064-1322

Tax Assessment & Valuation

The 2025 property tax bill for 820 S Cottage St was $826, down 17.8% 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		$11,558 (-) Land $4,184 Building $7,374	$60,830 (-)
2025	$826.00 (-17.81%)	$11,558 Land $4,184 Building $7,374	$60,830
2024	$1,005.00 (+2.24%)
2023	$983.00 (+52.4%)	$14,520 (+66.13%) Land $2,575 Building $11,945	$76,420
2022	$645.00	$8,740 Land $4,598 Building $4,142
2021			$46,000

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 820 S Cottage St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 820 S Cottage St is low, with 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 95% of the US · lower than 93% of Missouri
Wildfire Likelihood	0.01% 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 350 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

May also be available: KC Web, Wisper ISP.

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