Buchanan County property record for 1019 Charles St, Saint Joseph, MO 64501
| Property Type | Single Family Home |
|---|---|
| Details | 1,160 sqft · built 1865 |
| Lot Size | 0.18 acres (7,841 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $151,500 (Sep 2026) |
| Tax Bill | $663 (2025) |
| Deeds & Mortgages | Sep 2026 Mortgage Jul 2007 Second Mortgage + 4 more |
| APN | 06-3.0-08-004-004-104.000 |
| Primary APN | 06-3.0-08-004-004-104.000 |
|---|
| Building Area | 1,160 sqft Base Area |
|---|---|
| 1st Floor Area | 1,160 sqft |
| Year Built | Built 1865 |
|---|---|
| Effective Year Built | Effective 1865 |
| Lot Area | 7,841 sqft (0.18 acres) |
| Lot Dimensions | 220 ft deep x 33.3 ft wide |
| Street Address | 1019 CHARLES ST |
|---|---|
| City | SAINT JOSEPH |
| State | MO |
| Zip | 64501-2736 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | CITY |
| Legal Description | SUB:SMITH LOT:5 BLK:42LGL DESC:W 1/2 L 5 & W1/2 L 10 ALSO PART VAC ALLEY ADJ SD LOTS |
| Legal Subdivision | SMITH |
| Legal Block | 42 |
| Legal Lot Number | 5 |
| Jurisdiction | BUCHANAN MO |
| Township / Civil Division | WASHINGTON |
| Census Block Group | 3 |
| Census Block | 3012 |
| Census Tract | 1000 |
Source: NPS National Register of Historic Places, as of August 1, 2026
| Historic District | Within the Museum Hill Historic District listed 1991 · 245 contributing resources · NRIS 91000112 |
|---|
Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.
Source: Buchanan County records, as of October 8, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 1019 CHARLES ST, SAINT JOSEPH, MO 64501-2736 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Couple |
| Date | Document |
|---|---|
| Sep 28, 2026 | Warranty Deed, Transfer · Conventional Mortgage HNB NATIONAL BANK |
| Jul 30, 2007 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage SECRETARY HOUSING URBAN DEVELOPMENT |
| Feb 18, 2026 | Warranty Deed, Transfer FIRST AMERICAN TITLE, FIRST AMERICAN TTL INS COMPA |
| Feb 22, 2021 | Warranty Deed, Transfer FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO |
| Dec 10, 2007 | Personal Representative Deed, Transfer COMMERCE BANK NA |
| Jul 30, 2007 | Re-recorded Document · Reverse Mortgage FINANCIAL FREEDOM SENIOR FUNDING CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 28, 2026 · Amount on Record |
| Deed Sale | Sep 28, 2026 · Amount on Record |
| Prior Sale | Feb 18, 2026 |
| Deed Document Number | 20268267 |
| Deed Book / Page | 3822 / 999 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BUCHANAN MO |
| Recording Date | Sep 28, 2026 |
| Property Address | 1019 CHARLES ST, SAINT JOSEPH, MO 64501-2736 |
| Document Number | 0000008267 |
| Book / Page | 3822 / 999 |
| Instrument Date | Sep 28, 2026 |
| Instrument | 20268267 |
| Transaction Type | Transfer |
| Record Updated | Oct 23, 2026 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1019 CHARLES ST, SAINT JOSEPH, MO 64501-2736 |
| Document Number | 0000008268, |
|---|---|
| Date | Sep 28, 2026 |
| Book Page | 3823/1 |
| Instrument | 20268268 |
| Name | HNB NATIONAL BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BUCHANAN MO |
| Property Address | 1019 CHARLES ST, SAINT JOSEPH, MO 64501-2736 |
| Transaction Type | Mortgage |
| Record Updated | Mar 6, 2026 |
| Name | Verified Name |
|---|
| Document Number | 03014/0358 |
|---|---|
| Date | Jul 30, 2007 |
| Book Page | 3014/0358 |
| Instrument | 2007010686 |
| Name | SECRETARY HOUSING URBAN DEVELOPMENT |
|---|---|
| Address | WASHINGTON, DC 20410 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.12% |
| Type Change Date | Oct 1, 2007 |
| Change Frequency | Annually |
| Index | 1-Year T-Bill |
| Margin | 2 |
| Max Rate | 0.16% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BUCHANAN MO |
| Recording Date | Feb 18, 2026 |
| Property Address | 1019 CHARLES ST, SAINT JOSEPH, MO 64501-2736 |
| Document Number | 003815/986 |
| Book / Page | 3815 / 986 |
| Instrument Date | Feb 18, 2026 |
| Instrument | 2026001180 |
| Transaction Type | Transfer |
| Record Updated | Mar 6, 2026 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TTL INS COMPA |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1019 CHARLES ST, SAINT JOSEPH, MO 64501-2736 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BUCHANAN MO |
| Recording Date | Feb 22, 2021 |
| Property Address | 1019 CHARLES ST, SAINT JOSEPH, MO 64501-2736 |
| Document Number | 0003759/75 |
| Book / Page | 3759 / 75 |
| Instrument Date | Feb 19, 2021 |
| Instrument | 2021001717 |
| Transaction Type | Transfer |
| Record Updated | Mar 6, 2026 |
| Title Company | FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1019 CHARLES ST, SAINT JOSEPH, MO 64501-2736 |
| Investor | Possibly a Property Investor |
| Document Type | Personal Representative Deed |
|---|---|
| Jurisdiction | BUCHANAN MO |
| Recording Date | Dec 10, 2007 |
| Property Address | 1019 CHARLES ST, SAINT JOSEPH, MO 64501-2736 |
| Document Number | 03044/0338 |
| Book / Page | 3044 / 0338 |
| Instrument Date | Dec 6, 2007 |
| Instrument | 2007017025 |
| Transaction Type | Transfer |
| Record Updated | Mar 6, 2026 |
| Title Company | PREFERRED TITLE OF ST JOSEPH |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 03044/0340 |
|---|---|
| Date | Dec 10, 2007 |
| Book Page | 3044/0340 |
| Instrument | 2007017026 |
| Name | COMMERCE BANK NA |
|---|---|
| Type | Bank |
| Address | SAINT JOSEPH, MO 64502 |
| Amount | Amount Recorded |
|---|
| Rate Type | Adjustable Rate |
|---|
| Document Type | Re-recorded Document |
|---|---|
| Jurisdiction | BUCHANAN MO |
| Recording Date | Jul 30, 2007 |
| Property Address | 1019 CHARLES ST, SAINT JOSEPH, MO 64501-2736 |
| Document Number | 03014/0343 |
| Book / Page | 3014 / 0343 |
| Instrument Date | Jul 17, 2007 |
| Instrument | 2007010684 |
| Record Updated | Mar 6, 2026 |
| Name | Verified Name |
|---|---|
| Address | 1019 CHARLES ST, SAINT JOSEPH, MO 64501-2736 |
| Name | Verified Name |
|---|---|
| Address | 1019 CHARLES ST, SAINT JOSEPH, MO 64501-2736 |
| Document Number | 03014/0348 |
|---|---|
| Date | Jul 30, 2007 |
| Book Page | 3014/0348 |
| Instrument | 2007010685 |
| Name | FINANCIAL FREEDOM SENIOR FUNDING CORP |
|---|---|
| Type | Reverse Mortgage Lender |
| Address | ROSEVILLE, CA 95661 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 656 Months |
| Due | Mar 27, 2062 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.12% |
| Type Change Date | Oct 1, 2007 |
| Change Frequency | Monthly |
| Index | 1-Year T-Bill |
| Max Rate | 16.1% |
Source: Buchanan County assessment roll, as of November 4, 2025
| Type | Name |
|---|---|
| State | Missouri |
| County | Buchanan County |
| Municipality | St. Joseph City |
| Unified School District | St. Joseph School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $663.00 | $9,270 (+6.43%) Land $1,270 Building $8,000 | $48,780 (+6.39%) Land $6,700 Building $42,080 |
| 2024 | $663.00 (+16.11%) | ||
| 2023 | $571.00 (-0.52%) | $8,710 (-) Land $1,270 Building $7,440 | $45,850 (-) Land $6,700 Building $39,150 |
| 2022 | $574.00 | $8,710 Land $1,270 Building $7,440 | |
| 2021 | $45,850 Land $6,700 Building $39,150 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
Source: FEMA National Flood Hazard Layer
| FEMA Flood Zone | Not on file |
|---|
Values are read at the parcel center point; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 84% of Missouri |
|---|---|
| Wildfire Likelihood | 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | MO AMERICAN ST JOSEPH private · serves 89,171 people · EPA ID MO1010714 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Nov 2023 |
| Lead | 3 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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.
Source: FCC Broadband Data Collection, based on 439 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| Optimum Cable | 940 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| Mercury Fiber Fixed Wireless | 150 / 20 |
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