109 E Vassar St, Saint Joseph, MO 64504 Property Records

Buchanan County property record for 109 E Vassar St, Saint Joseph, MO 64504

Property Summary

Property Type	Single Family Home
Details	1,200 sqft · built 1932
Lot Size	0.39 acres (16,988 sqft)
Owner	Individual Name on File
Last Sale	$70,100 (Jun 2021)
Tax Bill	$973 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Oct 2019 Mortgage
APN	`06-9.0-32-002-002-171.000`

Property Details

APN / Parcel Number

Primary APN	`06-9.0-32-002-002-171.000`

Interior

Building Area	1,200 sqft Base Area
1st Floor Area	1,200 sqft

Exterior

Year Built	Built 1932
Effective Year Built	Effective 1932
Lot Area	16,988 sqft (0.39 acres)
Lot Dimensions	141 ft deep x 118 ft wide

Location & Zoning

Street Address	109 E VASSAR ST
City	SAINT JOSEPH
State	MO
Zip	64504-1646
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CITY
Legal Description	SUB:EAST VIEW LOT:23 BLK:3LGL DESC:& L 24 & 25
Legal Subdivision	EAST VIEW
Legal Block	3
Legal Lot Number	23
Jurisdiction	BUCHANAN MO
Township / Civil Division	WASHINGTON
Census Block Group	2
Census Block	2040
Census Tract	2400

Owner

109 E Vassar St is owned and occupied by an individual who bought it in June 2021.

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

Owner of Record	Individual Name on File
Mailing Address	109 E VASSAR ST, SAINT JOSEPH, MO 64504-1646
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
Jun 14, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage OPEN MORTGAGE LLC
Oct 15, 2019	Warranty Deed, Transfer · ARM FARMERS STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 14, 2021 · Amount on File
Deed Sale	Jun 14, 2021 · Amount on File
Prior Sale	Oct 15, 2019 · Amount on File
Deed Document Number	20216111
Deed Book / Page	3763 / 442
Prior Transfer Date	Jun 11, 2021
Prior Transfer Doc	003763/442
Record Updated	Sep 20, 2026

June 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BUCHANAN MO
Recording Date	Jun 14, 2021
Property Address	109 E VASSAR ST, SAINT JOSEPH, MO 64504-1646
Document Number	003763/442
Book / Page	3763 / 442
Instrument Date	Jun 11, 2021
Instrument	2021006111
Transaction Type	Transfer
Record Updated	Aug 16, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TTL INS COMPA

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 E VASSAR ST, SAINT JOSEPH, MO 64504-1646

Mortgage

Document Number	2021006112
Date	Jun 14, 2021
Instrument	2021006112

Lender

Name	OPEN MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUCHANAN MO
Recording Date	Oct 15, 2019
Property Address	109 E VASSAR ST, SAINT JOSEPH, MO 64504-1646
Document Number	003742/485
Book / Page	3742 / 485
Instrument Date	Oct 11, 2019
Instrument	2019008936
Transaction Type	Transfer
Record Updated	Aug 16, 2022
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	109 E VASSAR ST, SAINT JOSEPH, MO 64504-1646

Mortgage

Document Number	003742/486
Date	Oct 15, 2019
Book Page	3742/486
Instrument	2019008937

Lender

Name	FARMERS STATE BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	120 Months
Due	Nov 1, 2029

Interest

Rate Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Type Change Date	Nov 1, 2025
Change Frequency	Annually
Min Rate At Change	4%
Max Rate At Change	6.25%
Index	LIBOR

Tax Assessment & Valuation

The 2025 property tax bill for 109 E Vassar St was $973, 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	$973.00 (+0.1%)	$13,360 Land $5,200 Building $8,160	$70,310 Land $27,360 Building $42,950
2024	$972.00 (+12.24%)
2023	$866.00 (-0.69%)	$12,970 (-) Land $5,200 Building $7,770	$68,230 Land $27,360 Building $40,870
2022	$872.00	$12,970 Land $5,200 Building $7,770
2021			$68,230 Land $27,360 Building $40,870

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 109 E Vassar St.

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.

Wildfire

Wildfire risk around 109 E Vassar St is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 67% of the US · lower than 78% of Missouri
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

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 236 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
United Fiber Fiber	1,000 / 1,000
Optimum Cable	940 / 35
Verizon Fixed Wireless	300 / 20
Mercury Fiber Fixed Wireless	150 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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