20802 E 13th Terrace N is a 3-bed, 1.5-bath, 1,444 sq ft home in Lake City Gardens, Independence, MO, listed at $199,000 on December 6, 2025. HouseLoop Vision saw ranch-style home, brick exterior and finished basement in its 18 listing photos (as of November 14, 2026).
$199,000
20802 E 13th Terrace N, Independence, MO 64057
About this home
Great starter home in a quiet neighborhood! This home has everything you need, spacious rooms, partially finished basement, nice fenced yard. There is a shed in the yard for your tools and mower. Open concept with the living room flowing into the dining room. Freshly painted and wood floors were refinished not to long ago. Enjoy the outside with many places to plant flower boxes and gardens. Home faces south, so perfect for growing.
HouseLoop Vision — AI-detected features from listing photos
HouseLoop's photo analysis of 20802 E 13th Terrace N, Independence, MO 64057 identified ranch-style home, brick exterior, finished basement, deck, open floor plan and big backyard, plus 25 more features. The home is an active 3-bedroom, 1.5-bath, 1,444-square-foot single family residence listed for $199,000, MLS #2591200.
Key HouseLoop Vision features
- Open floor plan
- Breakfast nook
- Wood kitchen cabinets
- White appliances
- Electric range
- Kitchen backsplash
- Beige or brown countertops
- Raised-panel cabinets
- Finished basement
- Staircase
- Wood stair railing
- Tiled shower
- White vanity
- Brick exterior
- Deck
- Big backyard
- Fenced yard
- Mature trees
- Gray roof
- Asphalt shingle roof
- Red brick exterior
- Concrete driveway
- Wood fence
- Wood deck
- Flat lot
- Ranch-style home
- Hardwood floors
- Tile floors
- White trim
- Beige walls
- Attached garage
Interior
Bedrooms & bathrooms
- Bedrooms: 3
- Full bathrooms: 1
- 1/2 bathrooms: 1
Heating
- Heating: Forced Air
Cooling
- Cooling: Electric
Appliances
- Included: Dishwasher, Free-Standing Electric Oven
- Laundry: In Basement
Features
- Flooring: Vinyl, Wood
- Basement: Inside Entrance, Partial
Interior area
- Finished area above ground: 1,032 sqft
- Finished area below ground: 412 sqft
- Total interior livable area: 1,444 sqft
Property
Parking
- Total spaces: 2
- Parking features: Attached
Lot
- Size: 0.18 Acres
- Features: City Lot
- Patio & porch: Deck
Construction
Type & style
- Home type: Residential
- Architectural style: Single Family Residence
Materials
- Materials: Board & Batten Siding, Brick/Mortar
Condition
- Year built: 1970
- Age: 51-75 Years
Utilities & green energy
- Sewer: Public Sewer
- Water: Public
Highlights
Outdoor & Lot
- Deck
- Fenced Yard
Interior
- Hardwood Floors
Layout
- Basement
Garage & Parking
- Attached Garage
Financial & listing details
- Annual tax amount: $1,742 / yr
No HOA on this home.
Property tax history
| Year | Property tax | Assessed value |
|---|---|---|
| 2025 | $1,742 | $24,373 |
| 2024 | $1,777 | $25,650 |
| 2023 | $1,737 | $25,650 |
| 2022 | $1,361 | $18,431 |
| 2021 | $1,361 | $18,431 |
| 2020 | $1,327 | $17,461 |
| 2019 | $1,306 | $17,461 |
| 2018 | $1,306 | $16,420 |
| 2017 | $1,323 | $16,420 |
| 2016 | $1,264 | $16,009 |
| 2014 | $1,205 | $15,542 |
| 2013 | $1,198 | $15,542 |
Your payment
Est. payment
$1,430/mo
Tour with a HouseLoop agent
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Where it’s at
Nearby schools
Independence · HouseLoop school ratings
- Spring Branch Elementary School6
- Bingham Middle School3
- William Chrisman High School3
Price & tax history
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Similar listings and the Independence market
Look throughout Independence, Missouri
There are currently 432 homes for sale in Independence, with 158 under contract. Homes here sell for a median of $222,100 and go under contract in a median of 20 days. This home is priced $23,100 below the Independence median.
Independence sits in Jackson County, which covers 51 zip codes and 2,950 homes for sale. Nearby Kansas City runs a higher median at $299,950; Sugar Creek is lower at $162,450.
Listed by Lotus Key Homes LLC
Listed December 06, 2025 05:23 AM · Source: Heartland MLS as distributed by MLS GRID · MLS #2591200
HouseLoop last checked:
Listing updated:
$199,000
20802 E 13th Terrace N, Independence, MO 64057
HouseLoop user activity
HouseLoop last checked:
About this home
Great starter home in a quiet neighborhood! This home has everything you need, spacious rooms, partially finished basement, nice fenced yard. There is a shed in the yard for your tools and mower. Open concept with the living room flowing into the dining room. Freshly painted and wood floors were refinished not to…
HouseLoop Vision — AI-detected features from listing photos
HouseLoop's photo analysis of 20802 E 13th Terrace N, Independence, MO 64057 identified ranch-style home, brick exterior, finished basement, deck, open floor plan and big backyard, plus 25 more features. The home is an active 3-bedroom, 1.5-bath, 1,444-square-foot single family residence listed for $199,000, MLS #2591200.
Key HouseLoop Vision features
- Open floor plan
- Breakfast nook
- Wood kitchen cabinets
- White appliances
- Electric range
- Kitchen backsplash
- Beige or brown countertops
- Raised-panel cabinets
- Finished basement
- Staircase
- Wood stair railing
- Tiled shower
- White vanity
- Brick exterior
- Deck
- Big backyard
- Fenced yard
- Mature trees
- Gray roof
- Asphalt shingle roof
- Red brick exterior
- Concrete driveway
- Wood fence
- Wood deck
- Flat lot
- Ranch-style home
- Hardwood floors
- Tile floors
- White trim
- Beige walls
- Attached garage
See this home in person
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HouseLoop Mortgage Calculator
$1,430
Offer Insights
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$189,050 – $192,831
Estimated Sales Range
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Property Details
Interior
Bedrooms & bathrooms
- Bedrooms: 3
- Full bathrooms: 1
- 1/2 bathrooms: 1
Heating
- Heating: Forced Air
Cooling
- Cooling: Electric
Appliances
- Included: Dishwasher, Free-Standing Electric Oven
- Laundry: In Basement
Features
- Flooring: Vinyl, Wood
- Basement: Inside Entrance, Partial
Interior area
- Finished area above ground: 1,032 sqft
- Finished area below ground: 412 sqft
- Total interior livable area: 1,444 sqft
Property
Parking
- Total spaces: 2
- Parking features: Attached
Lot
- Size: 0.18 Acres
- Features: City Lot
- Patio & porch: Deck
Construction
Type & style
- Home type: Residential
- Architectural style: Single Family Residence
Materials
- Materials: Board & Batten Siding, Brick/Mortar
Condition
- Year built: 1970
- Age: 51-75 Years
Utilities & green energy
- Sewer: Public Sewer
- Water: Public
Highlights
Outdoor & Lot
- Deck
- Fenced Yard
Interior
- Hardwood Floors
Layout
- Basement
Garage & Parking
- Attached Garage
HOA and Amenities
No HOA on this home.
Nearby schools
GreatSchools rating
- 6Spring Branch Elementary School
- 3Bingham Middle School
- 3William Chrisman High School
Schools provided by the listing agent
- District: Independence
- Elementary: Spring Branch
- Middle: Bridger
- High: William Chrisman
Price history
Tax
- Annual tax amount: $1,742 / yr
Property tax history
| Year | Property tax | Assessed value |
|---|---|---|
| 2025 | $1,742 | $24,373 |
| 2024 | $1,777 | $25,650 |
| 2023 | $1,737 | $25,650 |
| 2022 | $1,361 | $18,431 |
| 2021 | $1,361 | $18,431 |
| 2020 | $1,327 | $17,461 |
| 2019 | $1,306 | $17,461 |
| 2018 | $1,306 | $16,420 |
| 2017 | $1,323 | $16,420 |
| 2016 | $1,264 | $16,009 |
| 2014 | $1,205 | $15,542 |
| 2013 | $1,198 | $15,542 |
Similar listings and the Independence market
Look throughout Independence, Missouri
There are currently 432 homes for sale in Independence, with 158 under contract. Homes here sell for a median of $222,100 and go under contract in a median of 20 days. This home is priced $23,100 below the Independence median.
Independence sits in Jackson County, which covers 51 zip codes and 2,950 homes for sale. Nearby Kansas City runs a higher median at $299,950; Sugar Creek is lower at $162,450.
Common questions about this home
How do I schedule a tour of 20802 E 13th Terrace N?
20802 E 13th Terrace N is open for tours now. It is a 3 bed, 1.5 bath, 1,444 sqft home listed at $199,000. Tap Tour this home to hold up to three times before you pick one. HouseLoop confirms your tour and your HouseLoop agent meets you there, no back-and-forth phone tag required.
How do I get more information about 20802 E 13th Terrace N?
It is a 3 bed, 1.5 bath, 1,444 sqft home listed at $199,000. Ask Myli anything about this home right on this page. She can pull the schools, taxes, HOA and recent sales in Independence in seconds. Or tap Ask a question to reach a HouseLoop agent directly.
Can I take a virtual tour of 20802 E 13th Terrace N?
Not yet. 20802 E 13th Terrace N doesn't have a video walkthrough posted with this listing. The photos and floor plan on this page are the best preview available right now. Tap Tour this home and your HouseLoop agent will walk it live on video for you. If you can't make it in person. Ask Myli to check back once one is added.
How many homes are for sale near 20802 E 13th Terrace N?
44 homes are currently for sale in 64057. More options nearby usually means more room to negotiate and more to compare this home against before you commit. Ask Myli to pull the closest matches by price and size. Tap Tour this home to see this one first.
What is the 64057 neighborhood like?
20802 E 13th Terrace N sits in 64057. The median list here is $340,000, versus $225,000 across Independence, MO. Homes in 64057 go under contract in a median of 18 days, faster than Independence, MO as a whole. A tighter zip code inside a bigger city often trades a little on price for a lot on convenience. Ask Myli how 64057 compares to nearby zips. Tap Tour this home to see the block for yourself.
How much is the monthly payment for 20802 E 13th Terrace N?
About $1,130 a month with 10% down at 6.5% over 30 years, before taxes and insurance. With this home's $1,742 tax bill and mortgage insurance folded in it lands near $1,430. Median sold price in 64057 is $315,000 — this $199,000 list is below it. Your real number moves with the down payment and rate you lock. Drag the sliders on this page. Tap Get pre-approved and Myli lines up a pre-approval.
How do I get pre-approved to buy 20802 E 13th Terrace N?
Tap Get pre-approved. We send your request to the one local lender you pick. That lender answers you from their own phone number and email. It is a soft credit check only. A pre-approval is what turns "we're just looking" into a real number sellers take seriously. Especially in 64057, where sellers accept 97% of list on average. Tap Get pre-approved to get the process moving. Ask Myli what to expect first.
Can I negotiate the asking price for 20802 E 13th Terrace N?
Yes. 20802 E 13th Terrace N was listed on December 6, 2025, and the price changed on June 5, 2026. Sellers in 64057 accepted about 3% under list on average over the last 12 months across 151 sales. Your HouseLoop agent writes the offer with the recent sales in Independence sitting right beside it. You know before you sign whether you're negotiating from strength. Ask Myli or tap Ask a question to start.
What is a good offer for 20802 E 13th Terrace N?
Sellers in 64057 accepted 97% of list over the last 12 months across 151 sales, median $315,000. Near $189,050 – $192,831 on this $199,000 list. The median home here took 18 days to go under contract. Most sellers aren't fielding three offers on day one. See the Offer Insights section on this page for the full range. What wins fast, what holds, where offers get ignored. Tap Ask a question and Myli writes the offer strategy with a HouseLoop agent the same day.
How do I make an offer on 20802 E 13th Terrace N?
Making an offer on 20802 E 13th Terrace N means putting a price, a timeline and your financing in writing. Along with any contingencies you want. Inspection, financing, or an appraisal gap clause if the market calls for one. Ask Myli "what should I offer" or tap Ask a question. Your HouseLoop agent prepares the offer and handles the contingencies, timing and paperwork with you, not for you.
What is the price per square foot for 20802 E 13th Terrace N?
$138 per square foot ($199,000 over 1,444 sqft). Homes sold in 64057 over the same window went for a median of $152 per square foot. This home is priced a bit below that per-square-foot median. Price per square foot is the fastest way to compare this home to the next one you tour. See Offer insights below for how that stacks up against what's actually selling. Ask Myli to pull three more like it nearby.
How long has 20802 E 13th Terrace N been on the market?
Listed on December 6, 2025. Homes in 64057 typically go under contract in 18 days. How long a home has been listed is the clearest early read on a seller's flexibility. It is worth checking back as this one's count grows. Tap ♥ to save it and HouseLoop will let you know the moment the price or status changes.
When was 20802 E 13th Terrace N built?
20802 E 13th Terrace N was built in 1970. It is about 56 years old. A home's age shapes what an inspection tends to flag. Roof, HVAC and plumbing lifespans especially. Ask Myli what to expect from a home this age. Tap Tour this home to see the mechanicals in person.
How many bedrooms and bathrooms does 20802 E 13th Terrace N have?
20802 E 13th Terrace N is a home with 3 bedrooms and 1.5 bathrooms across 1,444 square feet. On a 0.18 acre lot, per the MLS record for this address. Bed and bath count is usually the first filter a buyer sets. It's worth confirming here before you compare this home to the next one. Ask Myli to pull three more nearby with the same layout. Tap Tour this home to walk the floor plan in person.
What is the lot size of 20802 E 13th Terrace N?
0.18 acres (about 7,625 square feet), per the county record for 20802 E 13th Terrace N. Lot size drives what you can add later. A pool, a shop, room to expand — more than the house itself does. Ask Myli how that compares to other lots in Independence. Tap Ask a question to find out what's allowed.
Does 20802 E 13th Terrace N have a garage, a basement, air conditioning?
20802 E 13th Terrace N has a 2-car garage and a inside entrance, partial basement, and electric cooling. Garage size and a finished basement are two of the fastest ways to add real living space without a remodel. Ask Myli if that trade-off makes sense for your search. Tap Tour this home to see it in person.
What are the floors made of in 20802 E 13th Terrace N?
Vinyl and Wood, per the MLS record for 20802 E 13th Terrace N. Flooring type affects both upkeep and resale. Hard-surface floors show better in photos and hold up longer than carpet in high-traffic rooms. Ask Myli what buyers in Independence tend to prefer. Tap Tour this home to see it yourself.
What schools serve 20802 E 13th Terrace N?
Spring Branch Elementary School (6/10), Bingham Middle School (3/10), William Chrisman High School (3/10) in the Independence district. Per GreatSchools' 1-10 ratings for this address. School assignment is one of the few things you can't change after closing. It's worth confirming before you tour. Ask Myli to pull the full attendance boundary. Tap Ask a question to double-check with the district.
Is 64057 a buyer's or a seller's market right now?
64057 is currently a seller's market (below-balanced inventory), with about 3.5 months of supply. Homes there go under contract in a median of 18 days. That shapes how much room you have to negotiate and how fast you need to move. Ask Myli what that means for an offer on 20802 E 13th Terrace N. Tap Ask a question for a HouseLoop agent's read on it.
What are the property taxes for 20802 E 13th Terrace N?
Public records show about $1,742 a year (0.9% of the list price) for 20802 E 13th Terrace N. Taxes can change on reassessment, especially after a sale. Property tax is folded into the payment estimate above. Drag the sliders in the HouseLoop Mortgage Calculator to see how a different assessment would change your monthly number. Tap Get pre-approved to ask a lender directly.
Are there HOA fees for 20802 E 13th Terrace N?
No HOA is listed for 20802 E 13th Terrace N, and public records show none recorded on this parcel. No HOA means more control over the property and no monthly fee. Also no shared maintenance budget for the roof, the street or the common areas. Ask Myli if that trade-off makes sense for you.
Is 20802 E 13th Terrace N still for sale?
Yes — 20802 E 13th Terrace N is active as of December 6, 2025. Tap Tour this home to see it in person this week. Ask Myli to run the numbers on financing and the neighborhood's recent sales first. If you want the full picture before you go. She can also pull the schools and taxes while you decide.
Can I share 20802 E 13th Terrace N with someone?
Yes. Tap the share icon on this page to send 20802 E 13th Terrace N by text, email. Or straight to Facebook, X or WhatsApp. Whoever opens it lands on this exact page, photos and FAQ included, no login required to view. Ask Myli to summarize the home in a few lines you can paste yourself instead, if that's faster.
How do I follow the Independence market?
Tap ♥ on 20802 E 13th Terrace N to get a text the moment its price or status changes. Search Independence on HouseLoop and tap Save search to hear about every new listing that matches. A saved search runs in the background and checks itself. You see a new listing the day it hits rather than a week later. Ask Myli to set one up for you in this conversation.
Can I ask a question about 20802 E 13th Terrace N?
Yes. Ask her anything about 20802 E 13th Terrace N right below this list. The price history, the schools, what a fair offer looks like. Or how it compares to what else is for sale in Independence. She reads the full listing record and this page's own market data before she answers. Hands off to a HouseLoop agent the moment a question needs one. Tap Ask Myli below to start.
Listing data: Heartland MLS, distributed by MLS GRID. Market numbers: HouseLoop analysis of Heartland MLS data distributed by MLS GRID · over the last 12 months · Listing updated October 05, 2026 12:47 PM
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HouseLoop analysis of Heartland MLS data distributed by MLS GRID · trailing 12 months. Median sale price: the median closed price among sold homes in that zip over the same window.
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Listed by Lotus Key Homes LLC
Listed December 06, 2025 05:23 AM · Source: Heartland MLS as distributed by MLS GRID · MLS #2591200
HouseLoop last checked:
Listing updated: