105 Ridge Dr, Saint Joseph, MO 64506 Property Records

Buchanan County property record for 105 Ridge Dr, Saint Joseph, MO 64506

Property Summary

Property Type	Single Family Home
Details	2,074 sqft · built 1952
Lot Size	0.18 acres (7,841 sqft)
Owner	Individual Name on File
Last Sale	$167,500 (Feb 2013)
Tax Bill	$1,277 (2025)
Deeds & Mortgages	Feb 2013 Mortgage Apr 2009 Mortgage + 1 more
APN	`03-8.0-34-003-003-051.000`

Property Details

APN / Parcel Number

Primary APN	`03-8.0-34-003-003-051.000`

Interior

Building Area	2,074 sqft Base Area
1st Floor Area	2,074 sqft

Exterior

Year Built	Built 1952
Effective Year Built	Effective 1952
Lot Area	7,841 sqft (0.18 acres)
Lot Dimensions	141 ft deep x 57.1 ft wide

Location & Zoning

Street Address	105 RIDGE DR
City	SAINT JOSEPH
State	MO
Zip	64506-1919
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CITY
Legal Description	SUB:INDIAN RIDGE LOT:8 BLK:LGL DESC:TRACT 20' X 74.58' OF SW4 34-58-35 ASSESSED WITH THIS LOT
Legal Subdivision	INDIAN RIDGE
Legal Lot Number	8
Jurisdiction	BUCHANAN MO
Township / Civil Division	WASHINGTON
Census Block Group	2
Census Block	2018
Census Tract	200

Owner

105 Ridge Dr is owned and occupied by an individual who bought it in February 2013.

Source: Buchanan County records, as of May 27, 2026

Owner of Record	Individual Name on File
Mailing Address	105 RIDGE DR, SAINT JOSEPH, MO 64506-1919
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 8, 2013	Deed of Trust, Mortgage · Conventional Mortgage COMMERCE BANK
Apr 28, 2009	Warranty Deed, Transfer · Conventional Mortgage METLIFE HOME LOANS
Oct 3, 2005	Trustee's Deed, Foreclosure · FHA Mortgage FARMERS STATE BANK OF NORTHERN MISS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 8, 2013 · Amount on File
Deed Sale	Feb 8, 2013 · Amount on File
Prior Sale	Apr 28, 2009 · Amount on File
Deed Document Number	20131613
Deed Book / Page	3385 / 694
Record Updated	Sep 20, 2026

February 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN MO
Property Address	105 RIDGE DR, SAINT JOSEPH, MO 64506-1919
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03385/0696
Date	Feb 8, 2013
Book Page	3385/0696
Instrument	2013001614

Lender

Name	COMMERCE BANK
Type	Bank
Address	KANSAS CITY, MO 64106

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2043

April 2009: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUCHANAN MO
Recording Date	Apr 28, 2009
Property Address	105 RIDGE DR, SAINT JOSEPH, MO 64506-1919
Document Number	03140/0932
Book / Page	3140 / 0932
Instrument Date	Apr 27, 2009
Instrument	2009004916
Transaction Type	Transfer
Record Updated	Dec 20, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	105 RIDGE DR, 105, SAINT JOSEPH, MO 64506-1919

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	105 RIDGE DR, SAINT JOSEPH, MO 64506-1919

Mortgage

Document Number	03140/0934
Date	Apr 28, 2009
Book Page	3140/0934
Instrument	2009004917

Lender

Name	METLIFE HOME LOANS
Type	Mortgage Company
Address	IRVING, TX 75063

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2039

October 2005: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	BUCHANAN MO
Recording Date	Oct 3, 2005
Property Address	105 RIDGE DR, SAINT JOSEPH, MO 64506-1919
Document Number	02838/0718
Book / Page	2838 / 0718
Instrument Date	Sep 30, 2005
Instrument	2005015716
Transaction Type	Foreclosure
Record Updated	Apr 3, 2026
Title Company	ST JOSEPH TITLE & ABSTRACT C

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1314 N 43RD ST, SAINT JOSEPH, MO 64506-3620

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12391 NW COUNTY LINE RD, STEWARTSVILLE, MO 64490-9194

Mortgage

Document Number	2005015717
Date	Oct 3, 2005
Instrument	2005015717

Lender

Name	FARMERS STATE BANK OF NORTHERN MISS

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 105 Ridge Dr was $1,277, up 0.1% from the year before.

Source: Buchanan County assessment roll, as of November 4, 2025

Property Jurisdictions

Type	Name
State	Missouri
County	Buchanan County
Municipality	St. Joseph City
Unified School District	St. Joseph School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,277.00 (+0.08%)	$18,500 Land $3,900 Building $14,600	$97,330 Land $20,500 Building $76,830
2024	$1,276.00 (+10.67%)
2023	$1,153.00 (-0.69%)	$17,490 (-) Land $3,900 Building $13,590	$92,000 Land $20,500 Building $71,500
2022	$1,161.00	$17,490 Land $3,900 Building $13,590
2021			$92,000 Land $20,500 Building $71,500

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA has no flood map on file for 105 Ridge Dr; 1 flood insurance policy is in force nearby.

Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Nearby Flood Policies	1 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 105 Ridge Dr is low, with a 0.05% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 62% of the US · lower than 69% of Missouri
Wildfire Likelihood	0.05% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 259 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
United Fiber Fiber	1,000 / 1,000
Optimum Cable	940 / 35
Mercury Fiber Fixed Wireless	150 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Ridge Dr

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