901 S Cottage St, Independence, MO 64050 Property Records

Jackson County property record for 901 S Cottage St, Independence, MO 64050

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,496 sqft · built 1920
Lot Size	0.109 acres (4,746 sqft)
Owner	2 Individual Names on File
Last Sale	$154,164 (May 2026)
Tax Bill	$1,091 (2025)
Deeds & Mortgages	May 2026 Sale & Mortgage Feb 2026 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`26-410-15-08`

Property Details

APN / Parcel Number

Primary APN	`26-410-15-08`
Alternative APNs	`26-410-15-08-00-0-00-000` `26410150800000001` `779250`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,496 sqft Living Area
1st Floor Area	748 sqft
Basement Area	748 sqft
Finished Basement	748 sqft
Flooring	Carpet

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Construction Type	Steel Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	4,746 sqft (0.109 acres)
Lot Dimensions	120 ft deep x 40 ft wide
Garage Type	Detached
Garage Area	286 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Porch
Porch Area	96 sqft
Deck Area	48 sqft
Patio Area	91 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Account Number	779250
Street Address	901 S COTTAGE ST
City	INDEPENDENCE
State	MO
Zip	64050-4345
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SOUTH SIDE ADD 2 N 40 LOTS 15 & 16 BLK 13
Legal Subdivision	SOUTH SIDE ADD NO 2
Legal Block	13
Legal Lot Number	15,16
Jurisdiction	JACKSON MO
Township / Civil Division	BLUE
Census Block Group	2
Census Block	2011
Census Tract	11702

Owner

901 S Cottage St is owned and occupied by two individuals who bought it in May 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	901 S COTTAGE ST, INDEPENDENCE, MO 64050-4345
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

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
May 6, 2026	Warranty Deed, Transfer · VA Mortgage MORTGAGE SOLUTIONS OF COLORADO LLC.
Feb 26, 2026	Warranty Deed, Transfer · Line of Credit CHEROKEE INVESTMENT COMPANY LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 6, 2026 · Amount on File
Deed Sale	May 6, 2026 · Amount on File
Prior Sale	Feb 26, 2026 · Amount on File
Deed Document Number	202633635
Prior Transfer Date	Feb 10, 2006
Prior Transfer Doc	0000K10310
Record Updated	Oct 29, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON MO
Recording Date	May 6, 2026
Property Address	901 S COTTAGE ST, INDEPENDENCE, MO 64050-4345
Document Number	00E0033635
Instrument Date	Apr 29, 2026
Instrument	2026.33635
Transaction Type	Transfer
Record Updated	May 18, 2026
Title Company	ALLIANCE NATIONWIDE TITLE

Transaction

Amount	Amount 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
Relationship	Tenants by the Entirety
Address	901 S COTTAGE ST, INDEPENDENCE, MO 64050-4345

Mortgage

Document Number	0000033907,
Date	May 6, 2026
Instrument	2026E.33907

Lender

Name	MORTGAGE SOLUTIONS OF COLORADO LLC.

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.38%
Max Rate	-1%

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JACKSON MO
Recording Date	Feb 26, 2026
Property Address	901 S COTTAGE ST, INDEPENDENCE, MO 64050-4345
Document Number	00E0014054
Instrument Date	Feb 20, 2026
Instrument	2026E0014054
Transaction Type	Transfer
Record Updated	Jul 1, 2026
Title Company	ALLIANCE NATIONAL TITLE LLC, ALLIANCE NATL TTL AGCY LLC

Transaction

Tax	$0.00
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1819 E 35TH ST, KANSAS CITY, MO 64109-2554

Mortgage

Document Number	00E0014055
Date	Feb 26, 2026
Instrument	2026E0014055

Lender

Name	CHEROKEE INVESTMENT COMPANY LLC
Type	Non-Lending Institution

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 901 S Cottage St was $1,091, down 14.6% 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		$10,302 (-) Land $3,179 Building $7,123	$54,220 (-)
2025	$1,091.00 (-14.63%)	$10,302 Land $3,179 Building $7,123	$54,220
2024	$1,278.00 (+2.32%)
2023	$1,249.00	$18,457 Land $1,794 Building $16,663	$97,140

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 901 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 901 S Cottage St 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 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 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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