11304 E 13th St S, Independence, MO, 64052
About This Home
Owner Financing Available – Only $10,000 Down! We’ve owned this property as a rental for the past 10 years, but after struggling to find the long-term tenants which we prefer, we’ve decided to offer it as an opportunity for someone looking for an affordable forever home while also helping simplify the transition on our end. The home is small but solid. It was renovated prior to the previous tenants moving in, although there is some damage that will need attention. It could definitely use a little TLC, but it is 100% livable as-is. The property is all electric and features central heat and air. Overall, it’s a good, sturdy home with plenty of potential — perfect for someone handy or looking to build equity over time.
Getting Around
Somewhat Walkable
Some Transit
Somewhat BikeableSchools
Construction
Type & Style
- Home type: SingleFamily
Interior
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 1
- Full bathrooms: 1
Interior Area
- Total interior livable area: 700 sqft
Climate Risk is Financial Risk
Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.
Biggest Threats for This Home
- Hail
- Heat Wave
- Tornado
How This Home’s Risks Compare
FEMA Declared Disasters Across Missouri Counties
Understanding the Costs
Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.
Estimated Costs Today
| Monthly | Annual | |
|---|---|---|
| Mortgage | $606 | $7,272 |
| Home Insurance * | $145 | $1,740 |
| Property Taxes | $113 | $1,356 |
| Electricity | $141 | $1,693 |
| Total | $1,005 | $12,060 |
Income You'd Need if You Spent...
Missouri FAIR Plan Programs
How Costs Could Change Over Time
Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
No zestimate history available
Price History
| Date | Event | Price |
|---|---|---|
| 2026-05-25 | Listed for sale | $120,000 |
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