1720 Howard St, Saint Joseph, MO 64501 Property Records

Buchanan County property record for 1720 Howard St, Saint Joseph, MO 64501

Property Summary

Property Type	Single Family Home
Details	960 sqft · built 1912
Lot Size	0.161 acres (7,000 sqft)
Owner	Company Name on Record
Last Sale	$90,440 (Apr 2026)
Tax Bill	$545 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Mar 2023 Mortgage + 3 more
APN	`06-2.0-09-002-002-025.000`

Property Details

APN / Parcel Number

Primary APN	`06-2.0-09-002-002-025.000`

Interior

Building Area	960 sqft Base Area
1st Floor Area	960 sqft

Exterior

Year Built	Built 1912
Effective Year Built	Effective 1912
Lot Area	7,000 sqft (0.161 acres)
Lot Dimensions	140 ft deep x 50 ft wide

Location & Zoning

Street Address	1720 HOWARD ST
City	SAINT JOSEPH
State	MO
Zip	64501-1518
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CITY
Legal Description	SUB:OLIVER - GLASS & WILSON'S LOT:9 BLK:3LGL DESC:& L 10
Legal Subdivision	OLIVER - GLASS & WILSONS
Legal Block	3
Legal Lot Number	9-10
Jurisdiction	BUCHANAN MO
Township / Civil Division	WASHINGTON
Census Block Group	3
Census Block	3050
Census Tract	1100

Owner

Source: Buchanan County records, as of September 29, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	6816 N CHURCH RD, PLEASANT VALLEY, MO 64068-7800
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Aug 20, 2026	Deed of Trust, Mortgage · Conventional Mortgage ALPHA TITLE LLC, ALPHA TITLE
Mar 29, 2023	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Apr 2, 2026	Warranty Deed, Transfer · Conventional Mortgage ALOHA TITLE, ALPHA TITLE
Jan 22, 2026	Special Warranty Deed, Transfer ALOHA TITLE, ALPHA TITLE
May 7, 2015	Warranty Deed, Transfer · FHA Mortgage US BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 2, 2026 · Amount on Record
Deed Sale	Apr 2, 2026 · Amount on Record
Prior Sale	Jan 22, 2026
Deed Document Number	20262496
Deed Book / Page	3817 / 289
Prior Transfer Date	Sep 4, 2025
Prior Transfer Doc	0003811/38
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN MO
Recording Date	Aug 20, 2026
Property Address	1720 HOWARD ST, SAINT JOSEPH, MO 64501-1518
Document Number	0000006928
Book / Page	3821 / 668
Instrument Date	Aug 14, 2026
Instrument	20266928
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	ALPHA TITLE LLC, ALPHA TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership, 266
Address	7350 N MULBERRY ST, KANSAS CITY, MO 64118-1088

Mortgage

Document Number	0000006928,
Date	Aug 20, 2026
Book Page	3821/668
Instrument	20266928

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN MO
Property Address	1720 HOWARD ST, SAINT JOSEPH, MO 64501-1518
Transaction Type	Mortgage
Record Updated	Apr 16, 2026
Title Company	COVIUS SETTLEMENT SERVICES LLC, COVIUS SETTLEMENT SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1720 HOWARD ST, SAINT JOSEPH, MO 64501-1518
Investor	Possibly a Property Investor

Mortgage

Document Number	003785/698
Date	Mar 29, 2023
Book Page	3785/698
Instrument	2023002194

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2053

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUCHANAN MO
Recording Date	Apr 2, 2026
Property Address	1720 HOWARD ST, SAINT JOSEPH, MO 64501-1518
Document Number	0000002496
Book / Page	3817 / 289
Instrument Date	Mar 10, 2026
Instrument	20262496
Transaction Type	Transfer
Record Updated	Apr 10, 2026
Title Company	ALOHA TITLE, ALPHA TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Estimated Sale Price
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership
Address	6816 N CHURCH RD, PLEASANT VALLEY, MO 64068-7800

Mortgage

Document Number	0000002497,
Date	Apr 2, 2026
Instrument	20262497

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate	6.01%
Max Rate	-1%

January 2026: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	BUCHANAN MO
Recording Date	Jan 22, 2026
Property Address	1720 HOWARD ST, SAINT JOSEPH, MO 64501-1518
Document Number	003815/284
Book / Page	3815 / 284
Instrument Date	Dec 23, 2025
Instrument	2026000469
Transaction Type	Transfer
Record Updated	Feb 2, 2026
Title Company	ALOHA TITLE, ALPHA TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	60 LIVINGSTON AVE, SAINT PAUL, MN 55107-2292

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1401 21ST ST # 7030, 7030, SACRAMENTO, CA 95811-5226

May 2015: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUCHANAN MO
Recording Date	May 7, 2015
Property Address	1720 HOWARD ST, SAINT JOSEPH, MO 64501-1518
Document Number	2015004341
Instrument Date	May 7, 2015
Instrument	2015004341
Transaction Type	Transfer
Record Updated	Sep 22, 2025
Title Company	ADVANTAGE TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	2015004342
Date	May 7, 2015
Instrument	2015004342

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 6, 2045

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

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	$545.00	$7,570 (+13.66%) Land $1,810 Building $5,760	$39,800 (+13.71%) Land $9,500 Building $30,300
2024	$545.00 (+23.86%)
2023	$440.00 (-0.68%)	$6,660 (-) Land $1,810 Building $4,850	$35,000 (-) Land $9,500 Building $25,500
2022	$443.00	$6,660 Land $1,810 Building $4,850
2021			$35,000 Land $9,500 Building $25,500

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

Flood

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	4 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

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.2% of Missouri
Wildfire Likelihood	Under 0.01% 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 494 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

May also be available: AT&T, United Fiber.

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