18 Bear Cir, Saint Joseph, MO 64506 Property Records

Buchanan County property record for 18 Bear Cir, Saint Joseph, MO 64506

Property Summary

Property Type	Single Family Home
Details	1,336 sqft · built 1966
Lot Size	0.179 acres (7,804 sqft)
Owner	2 Individual Names on Record
Last Sale	$385,739 (Jan 2026)
Tax Bill	$1,445 (2025)
Deeds & Mortgages	Jul 2005 Mortgage Jan 2026 Mortgage + 7 more
APN	`06-1.0-01-003-001-013.000`

Property Details

APN / Parcel Number

Primary APN	`06-1.0-01-003-001-013.000`

Interior

Building Area	1,336 sqft Base Area
1st Floor Area	1,336 sqft

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Lot Area	7,804 sqft (0.179 acres)
Lot Dimensions	179 ft deep x 43.6 ft wide

Location & Zoning

Street Address	18 BEAR CIR
City	SAINT JOSEPH
State	MO
Zip	64506-2512
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CITY
Legal Description	SUB:HURST EASTERN HILLS ADDITION LOT:18 BLK:LGL DESC:
Legal Subdivision	HURST EASTERN HILLS ADDITION
Legal Lot Number	18
Jurisdiction	BUCHANAN MO
Township / Civil Division	WASHINGTON
Census Block Group	3
Census Block	3005
Census Tract	702

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	18 BEAR CIR, SAINT JOSEPH, MO 64506-2512
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jul 1, 2005	Deed of Trust, Mortgage WELLS FARGO BANK NA
Jan 15, 2026	Warranty Deed, Transfer · Conventional Mortgage US BANK NA
Jan 23, 2024	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Jul 6, 2022	Warranty Deed, Transfer · Line of Credit THE NODAWAY VALLEY BANK
Jul 6, 2022	Intrafamily Transfer, Transfer FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO
Oct 7, 2009	Warranty Deed, Transfer
Mar 4, 2008	Warranty Deed, Transfer FIRST AMERICAN TITLE, FIRST AMERICAN HALL ABSTRACT
Jul 1, 2005	Trustee's Deed, Foreclosure ST JOSEPH TITLE & ABSTRACT C
Jul 1, 2005	Warranty Deed, Transfer · ARM WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 15, 2026 · Amount on Record
Deed Sale	Jan 15, 2026 · Amount on Record
Prior Sale	Jan 23, 2024 · Amount on Record
Deed Document Number	2026312
Deed Book / Page	3815 / 129
Prior Transfer Date	Jun 24, 2022
Prior Transfer Doc	003777/842
Record Updated	Sep 20, 2026

July 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN MO
Property Address	18 BEAR CIR, SAINT JOSEPH, MO 64506-2512
Transaction Type	Mortgage
Record Updated	Jan 30, 2026
Title Company	ST JOSEPH TITLE & ABSTRACT C

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02808/0755
Date	Jul 1, 2005
Book Page	2808/0755
Instrument	2005010199

Lender

Name	WELLS FARGO BANK NA
Address	SAN FRANCISCO, CA 94104

Agreement

Amount	Amount Recorded
Term	300 Months
Due	Jun 30, 2030

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUCHANAN MO
Recording Date	Jan 15, 2026
Property Address	18 BEAR CIR, SAINT JOSEPH, MO 64506-2512
Document Number	003815/129
Book / Page	3815 / 129
Instrument Date	Jan 15, 2026
Instrument	2026000312
Transaction Type	Transfer
Record Updated	Jan 30, 2026
Title Company	NORTHWEST SUBURBAN TITLE, NORTHWEST MISSOURI LAND TTL

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	18 BEAR CIR, SAINT JOSEPH, MO 64506-2512

Mortgage

Document Number	2026000356
Date	Jan 15, 2026
Instrument	2026000356

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUCHANAN MO
Recording Date	Jan 23, 2024
Property Address	18 BEAR CIR, SAINT JOSEPH, MO 64506-2512
Document Number	003794/103
Book / Page	3794 / 103
Instrument Date	Jan 22, 2024
Instrument	2024000455
Transaction Type	Transfer
Record Updated	Jan 29, 2026
Title Company	UNKNOWN, ST JOSEPH TITLE LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18 BEAR CIR, SAINT JOSEPH, MO 64506-2512

Mortgage

Document Number	2024000456
Date	Jan 23, 2024
Instrument	2024000456

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Feb 1, 2034

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUCHANAN MO
Recording Date	Jul 6, 2022
Property Address	18 BEAR CIR, SAINT JOSEPH, MO 64506-2512
Document Number	003777/843
Book / Page	3777 / 843
Instrument Date	Jul 6, 2022
Instrument	2022006451
Transaction Type	Transfer
Record Updated	Jan 29, 2026
Title Company	FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2122 N 32ND ST, SAINT JOSEPH, MO 64506-2216
Investor	Possibly a Property Investor

Mortgage

Document Number	2022006452
Date	Jul 6, 2022
Instrument	2022006452

Lender

Name	THE NODAWAY VALLEY BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

July 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BUCHANAN MO
Recording Date	Jul 6, 2022
Property Address	18 BEAR CIR, SAINT JOSEPH, MO 64506-2512
Document Number	003777/842
Book / Page	3777 / 842
Instrument Date	Jun 24, 2022
Instrument	2022006450
Transaction Type	Transfer
Record Updated	Jan 29, 2026
Title Company	FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18 BEAR CIR, SAINT JOSEPH, MO 64506-2512

October 2009: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUCHANAN MO
Recording Date	Oct 7, 2009
Property Address	18 BEAR CIR, SAINT JOSEPH, MO 64506-2512
Document Number	03174/0646
Book / Page	3174 / 0646
Instrument Date	Oct 5, 2009
Instrument	2009012538
Transaction Type	Transfer
Record Updated	Jan 29, 2026

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18 BEAR CIR, SAINT JOSEPH, MO 64506-2512

March 2008: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUCHANAN MO
Recording Date	Mar 4, 2008
Property Address	18 BEAR CIR, SAINT JOSEPH, MO 64506-2512
Document Number	03059/0980
Book / Page	3059 / 0980
Instrument Date	Feb 8, 2008
Instrument	2008002514
Transaction Type	Transfer
Record Updated	Jan 29, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN HALL ABSTRACT

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	18 BEAR CIR, SAINT JOSEPH, MO 64506-2512

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3207 LAKE DR, EVANSVILLE, IN 47711-3621
Investor	Possibly a Property Investor

July 2005: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	BUCHANAN MO
Recording Date	Jul 1, 2005
Property Address	18 BEAR CIR, SAINT JOSEPH, MO 64506-2512
Document Number	02808/0722
Book / Page	2808 / 0722
Instrument Date	Jun 30, 2005
Instrument	2005010196
Transaction Type	Foreclosure
Record Updated	Jan 29, 2026
Title Company	ST JOSEPH TITLE & ABSTRACT C

Transaction

Tax	$0.00
Additional	Foreclosure Auction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	18 BEAR CIR, SAINT JOSEPH, MO 64506-2512

July 2005: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUCHANAN MO
Recording Date	Jul 1, 2005
Property Address	18 BEAR CIR, SAINT JOSEPH, MO 64506-2512
Document Number	02808/0718
Book / Page	2808 / 0718
Instrument Date	May 12, 2005
Instrument	2005010195
Transaction Type	Transfer
Record Updated	Jan 29, 2026
Title Company	ST JOSEPH TITLE & ABSTRACT C

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8701 W DODGE RD, OMAHA, NE 68114-3409

Mortgage

Document Number	02808/0728
Date	Jul 1, 2005
Book Page	2808/0728
Instrument	2005010198

Lender

Name	WELLS FARGO BANK NA
Address	DES MOINES, IA 50306

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2035

Interest

Rate Type	Adjustable Rate
Rate	4.87%
Type Change Date	Jun 1, 2010
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	9.87%
Index	1-Year T-Bill
Max Rate	9.87%

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	$1,445.00 (+0.07%)	$20,520 (+10.26%) Land $3,900 Building $16,620	$107,970 (+10.29%) Land $20,500 Building $87,470
2024	$1,444.00 (+19.83%)
2023	$1,205.00 (-0.74%)	$18,610 (-) Land $3,900 Building $14,710	$97,900 (-) Land $20,500 Building $77,400
2022	$1,214.00	$18,610 Land $3,900 Building $14,710
2021			$97,900 Land $20,500 Building $77,400

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	1 in force
Nearby Flood Claims	1 (2008)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Oct 2008

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 95% of the US · lower than 93% 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.

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 183 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Mercury Fiber, Verizon.

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