Skip to content
Skip to content
TopHapOpen in map
Single Family ResidenceResidential
$638,714$189 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 93How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026

3518 SADDLE RIDGE DR

INDEPENDENCE, MO 64057
5
Beds
5 / 1
Baths
3,384 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.42 ac
Lot SizeThe size of the land the home sits on, from county records.
1999
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
3
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$639K
$597K low$681K high
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$0
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$0
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.103%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$504,000
FARMERS BANK & TRUST · recorded Aug 16, 2024
2nd MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$160,000
COMMUNITYAMERICA CU

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$6,687 (2024)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$112,106 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$24,100
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$88,006
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$97,483
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$590,030

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.43
44
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
15
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
77
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
66
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
17
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.10 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Conventional
CountyJackson
Lot (acres)The size of the land the home sits on, from county records.0.42
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Concrete
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Forced Air
CoolingThe type of cooling or air conditioning in the home.Central
FireplaceWhether the home has a fireplace, and what kind.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Patio · 384 ft²Porch · 84 ft²

Transaction History(2)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Sunny Pointe Elementary SchoolB
Elementary · Grades KG–5 · 0.9 mi
M
Paul Kinder Middle SchoolB-
Middle · Grades 6–8 · 1.1 mi
H
Blue Springs High SchoolA-
High · Grades 9–12 · 2.8 mi

District: Blue Springs R-Iv School District

Neighborhood · ZIP 64057These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.70
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.80
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.26

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.94%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.16%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.5.9%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.1%
PopulationHow many people live in this area.15,303
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.1,467 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$73,316
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$89,499
Average tempThe average temperature here across a full year.54°F
Annual precipHow much rain and melted snow falls here in a typical year.42 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.61%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

3518 Saddle Ridge Dr measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 97% of homes in Independence 64057
  • Bigger than 98% of homes in Independence 64057
  • Has a bigger lot than 88% of homes in Jackson County
  • Newer than 86% of homes in Jackson County

What homes are worth in Independence 64057

Each bar is how many homes fall in that price range. The marker is this home.

This home
$169K$699K

This home is worth more than 97% of homes in Independence 64057.

How it measures up in Independence 64057

The dot is this home. The mark in the middle is the typical home in Independence 64057.

Estimated value$638,714
CheaperTypical $286,864Pricier

Pricier than 97% of homes nearby

Price per ft²$189
CheaperTypical $188Pricier

Pricier than 50% of homes nearby

Living area3,384 ft²
SmallerTypical 1,542 ft²Bigger

Bigger than 98% of homes nearby

Lot size0.42 ac
SmallerTypical 0.25 acBigger

Bigger than 81% of homes nearby

Year built1999
OlderTypical 1988Newer

Newer than 73% of homes nearby

How 3518 Saddle Ridge Dr ranks against every home in each area.
MeasureThis homeIndependence 64057Jackson County
Estimated valuepricier than$638,71497% of homes96% of homes
Price per ft²pricier than$18950% of homes56% of homes
Living areabigger than3,384 ft²98% of homes97% of homes
Lot sizebigger than0.42 ac81% of homes88% of homes
Year builtnewer than199973% of homes86% of homes

About 3518 Saddle Ridge Dr

How much is 3518 Saddle Ridge Dr, Independence, MO worth?

The TopHap Estimate for 3518 Saddle Ridge Dr, Independence, MO is $638,714 as of Jul 14, 2026. The likely range is $596,613 to $680,815. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 3518 Saddle Ridge Dr, Independence, MO last sell?

3518 Saddle Ridge Dr, Independence, MO last sold on Aug 16, 2024, according to the county's recorded deed.

How big is 3518 Saddle Ridge Dr, Independence, MO?

3518 Saddle Ridge Dr, Independence, MO has 5 bedrooms, 5 bathrooms, 3,384 square feet of living space and a 0.42-acre lot.

When was 3518 Saddle Ridge Dr, Independence, MO built?

3518 Saddle Ridge Dr, Independence, MO was built in 1999, making it 27 years old. It is a conventional home. The building has 2 stories.

What schools serve 3518 Saddle Ridge Dr, Independence, MO?

3518 Saddle Ridge Dr, Independence, MO is assigned to Sunny Pointe Elementary School (elementary), rated B; Paul Kinder Middle School (middle), rated B-; Blue Springs High School (high), rated A-. All sit in Blue Springs R-Iv School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 3518 Saddle Ridge Dr, Independence, MO compare to other homes in Independence 64057?

Among the 4,319 homes in Independence 64057, it is worth more than 97% of them ($638,714 against a typical $286,864), its price per square foot is higher than 50% of them ($189 against a typical $188), it is bigger than 98% of them (3,384 ft² against a typical 1,542 ft²), its lot is bigger than 81% of them (0.42 ac against a typical 0.25 ac) and it is newer than 73% of them (1999 against a typical 1988). Measured against all of Jackson County, it is worth more than 96% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 3518 Saddle Ridge Dr, Independence, MO?

The 2024 property tax bill for 3518 Saddle Ridge Dr, Independence, MO was $6,687. The county assessed it at $112,106.

Closest homes

More homes in Independence 64057

Assigned schools

Explore the area

See this home in context

Open 3518 Saddle Ridge Dr on TopHap’s interactive map to compare it against every sale nearby, overlay school zones and flood risk, and run a CMA.

Open in map
A flyover of TopHap's photorealistic 3D map, with recorded sale prices pinned to homes
Search any address, city, zip, or county…3D$1.9M$6.25MOpen in map