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23510 E 11th Ter S, Independence, MO, 64056

5beds
3baths
2,800sqft
$431,000
$154price/sqft
$3,147/moest. monthly cost
$125,880/yrincome needed

About This Home

Welcome to your next chapter at 23510 E 11th Terrace South, Independence, MO 64056—a beautifully designed 5-bedroom, 3.5-bath home offering approximately 2,800+ sqft of functional and inviting living space. This home is perfect for families, entertaining, and everyday comfort. The main level features a spacious layout with a convenient half bath, while upstairs you’ll find 4 bedrooms and 2 full bathrooms, including a private master suite with its own full bathroom, creating the ideal setup for comfort and privacy. The recently finished basement adds even more flexibility with a 5th bedroom and full bath, perfect for guests, in-laws, or a private retreat. Enjoy the convenience of a 2-car garage and thoughtfully designed spaces throughout the home. ? Seller Incentives: • Whole house reverse osmosis watering system • All kitchen appliances included (except garage refrigerator & freezer) • $5,000 painting credit • $600 credit towards home warranty But what truly sets this home apart is the lifestyle. Located in the highly sought-after New Town Harmony community, you’re just steps from it all: • Coffee shop • Mail center • Sand volleyball courts • Park and green space right outside your front door This is a golf cart-friendly neighborhood where connection and community thrive. Spend your summers enjoying HOA events, outdoor movies, parties, and gatherings on the green space—all designed to bring neighbors together. Even more exciting, the brand-new neighborhood pool is set to open in 2026, adding even more value and enjoyment for years to come. ? Whether you’re raising a family, hosting friends, or simply looking for a place that feels like home the moment you arrive—this one delivers.

Getting Around

0
WalkingCar-Dependent
0
TransitNo Nearby Transit
25
BikeSomewhat Bikeable

Schools

7/10
5/10
8/10
Blue Springs High SchoolGrades 9-124.5 mi

Construction

Condition

  • Year built: 2022

Materials

  • Roof: Asphalt
  • Construction materials: Frame

Type & Style

  • Home type: SingleFamily
  • Architectural style: Conventional

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Garbage disposal,Microwave,Range / Oven,Refrigerator,Washer

Basement

  • Basement: Finished

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 3
  • 1/2 bathrooms: 1

Features

  • Flooring: Other,Carpet
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Forced air
  • Cooling features: Central

Interior Area

  • Total interior livable area: 2,800 sqft

Property

Details

  • Parcel number: 24210130700000000

Features

  • Has view: Yes
  • View description: Water,City
  • Has water view: Yes
  • Water view: Water

Lot

  • Lot size: 3,358 sqft

Parking

  • Total spaces: 2
  • Parking features: Garage - Attached,Off-street,On-street

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
    HailRelatively High
  • Heat Wave
    Heat WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Tornado
    TornadoRelatively High
  • Cold Wave
    Cold WaveModerate

How This Home’s Risks Compare

Hail
Heat Wave
Inland Flooding
Tornado
Cold Wave

FEMA Declared Disasters Across Missouri Counties

Fire
Flood
Other
Severe Storm
Straight Line Winds
Tornado

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

MonthlyAnnual
Mortgage $2,179$26,148
Home Insurance *$350$4,200
Property Taxes $405$4,860
Electricity $213$2,565
Total$3,147$37,764
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$107,897/yr
40% on housing$94,410/yr
45% on housing$83,920/yr

Missouri FAIR Plan Programs

Missouri Property Insurance Placement Facility

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 2,041Commercial: 84
Total Premiums$2.35M
Total Exposure$198.26M

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.

Insurance Growth Rate5-year average: 11.9%
11.9%
0%30.0%
Electricity Growth Rate10-year average: 2.9%
2.9%
0%15.0%
Property Taxes Growth Rate2-year average: 2.0%
2.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$154This listing

vs Other Active Listings

Avg $/sqft

ZIP 64056$145
Jackson County$160

vs Homes Sold Last Month

Median $/sqft

ZIP 64056$143
Jackson County$151

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

DateEventPrice
2026-04-13Listed for sale$423,000
2025-02-12Listing removed$400,000
2024-12-14Listed for sale$400,000
2023-08-31Sold--
2023-08-03Pending sale$399,950
2023-08-02Contingent$399,950
2023-06-03Price change$399,950
2022-05-07Listed for sale$409,950

For Sale by Owner

AgentProperty Owner

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