116 Ridge Dr, Saint Joseph, MO 64506 Property Records

Buchanan County property record for 116 Ridge Dr, Saint Joseph, MO 64506

Property Summary

Property Type	Single Family Home
Details	3,347 sqft · built 1949
Lot Size	1.87 acres (81,457 sqft)
Owner	2 Individual Names on File
Last Sale	$756,504 (Apr 2024)
Tax Bill	$4,116 (2025)
Deeds & Mortgages	Oct 2025 Sale Apr 2024 Mortgage + 2 more
APN	`03-8.0-34-003-003-052.000`

Property Details

APN / Parcel Number

Primary APN	`03-8.0-34-003-003-052.000`

Interior

Building Area	3,347 sqft Base Area
1st Floor Area	3,347 sqft

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1949
Lot Area	81,457 sqft (1.87 acres)
Lot Depth	0.9 ft Depth

Location & Zoning

Street Address	116 RIDGE DR
City	SAINT JOSEPH
State	MO
Zip	64506-1920
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CITY
Legal Description	34-58-35SWSUB:INDIAN RIDGE LOT:14 BLK:LGL DESC:ALSO PART OF 34-58-35 SW4 BEG SE COR INDIAN RIDGE TH N 161.05' NE 34' E 325' S 232.23' W 360' NW 7' TOB POB
Legal Range	35W
Legal Township	58N
Legal Section	34
Legal Subdivision	INDIAN RIDGE
Legal Lot Number	14
Jurisdiction	BUCHANAN MO
Township / Civil Division	WASHINGTON
Census Block Group	2
Census Block	2014
Census Tract	200

Owner

116 Ridge Dr is owned and occupied by two individuals who acquired it in October 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	116 RIDGE DR, SAINT JOSEPH, MO 64506-1920
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
Oct 9, 2025	Beneficiary Deed, Transfer
Apr 22, 2024	Warranty Deed, Transfer · Conventional Mortgage COMMERCE BANK
Apr 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage PRIMELENDING
Dec 19, 2017	Deed, Transfer · Conventional Mortgage PRIMELENDING

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 22, 2024 · Amount on File
Deed Sale	Apr 22, 2024 · Amount on File
Prior Sale	Dec 19, 2017 · Amount on File
Deed Document Number	20242932
Deed Book / Page	3796 / 548
Last Transfer Date	Oct 8, 2025
Transfer Doc	003812/324
Record Updated	Sep 20, 2026

October 2025: Beneficiary Deed, Transfer

Document Type	Beneficiary Deed
Jurisdiction	BUCHANAN MO
Recording Date	Oct 9, 2025
Property Address	116 RIDGE DR, SAINT JOSEPH, MO 64506-1920
Document Number	003812/324
Book / Page	3812 / 324
Instrument Date	Oct 8, 2025
Instrument	2025008397
Transaction Type	Transfer
Record Updated	Oct 23, 2025

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	116 RIDGE DR, SAINT JOSEPH, MO 64506-1920

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	116 RIDGE DR, SAINT JOSEPH, MO 64506-1920

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUCHANAN MO
Recording Date	Apr 22, 2024
Property Address	116 RIDGE DR, SAINT JOSEPH, MO 64506-1920
Document Number	003796/548
Book / Page	3796 / 548
Instrument Date	Apr 19, 2024
Instrument	2024002932
Transaction Type	Transfer
Record Updated	May 7, 2024
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TTL INS COMPA

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	116 RIDGE DR, SAINT JOSEPH, MO 64506-1920

Mortgage

Document Number	2024002933
Date	Apr 22, 2024
Instrument	2024002933

Lender

Name	COMMERCE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	May 1, 2039

Interest

Rate Type	Adjustable Rate
Rate	6.12%
Type Change Date	May 1, 2031
Change Frequency	Annually
Min Rate At Change	4.12%
Max Rate At Change	8.12%
Index	1-Year T-Bill
Max Rate	12.1%

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN MO
Property Address	116 RIDGE DR, SAINT JOSEPH, MO 64506-1920
Transaction Type	Mortgage
Record Updated	Jun 18, 2020
Title Company	FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3748/150
Date	Apr 29, 2020
Book Page	3748/150
Instrument	2020003296

Lender

Name	PRIMELENDING
Type	Mortgage Company
Address	DALLAS, TX 75252

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	May 1, 2035

December 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	BUCHANAN MO
Recording Date	Dec 19, 2017
Property Address	116 RIDGE DR, SAINT JOSEPH, MO 64506-1920
Document Number	2017012456
Map Reference	BK879 PG421
Instrument Date	Dec 18, 2017
Instrument	2017012456
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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	116 RIDGE DR, SAINT JOSEPH, MO 64506-1920

Mortgage

Document Number	2017012457
Date	Dec 19, 2017
Instrument	2017012457

Lender

Name	PRIMELENDING

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 116 Ridge Dr was $4,116.

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	$4,116.00	$57,690 Land $5,580 Building $52,110	$303,610 Land $29,350 Building $274,260
2024	$4,116.00 (+16.24%)
2023	$3,541.00 (-0.67%)	$54,190 (-) Land $5,580 Building $48,610	$285,210 Land $29,350 Building $255,860
2022	$3,565.00	$54,190 Land $5,580 Building $48,610
2021			$285,210 Land $29,350 Building $255,860

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA has no flood map on file for 116 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 116 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

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures