1813 Clifford St, Saint Joseph, MO 64505 Property Records

Buchanan County property record for 1813 Clifford St, Saint Joseph, MO 64505

Property Summary

Property Type	Single Family Home
Details	1,073 sqft · built 1932
Lot Size	0.12 acres (5,227 sqft)
Owner	2 Individual Names on Record
Tax Bill	$985 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit
APN	`03-8.0-28-003-002-026.000`

Property Details

APN / Parcel Number

Primary APN	`03-8.0-28-003-002-026.000`

Interior

Building Area	1,073 sqft Base Area
1st Floor Area	1,073 sqft

Exterior

Year Built	Built 1932
Effective Year Built	Effective 1932
Lot Area	5,227 sqft (0.12 acres)
Lot Dimensions	108 ft deep x 50 ft wide

Location & Zoning

Street Address	1813 CLIFFORD ST
City	SAINT JOSEPH
State	MO
Zip	64505-1215
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CITY
Legal Description	28-58-35NWSUB:DINWIDDIE & MAXWELL'S LOT:1 BLK:1LGL DESC:
Legal Range	35W
Legal Township	58N
Legal Section	28
Legal Subdivision	DINWIDDIE & MAXWELLS
Legal Block	1
Legal Lot Number	1
Jurisdiction	BUCHANAN MO
Township / Civil Division	WASHINGTON
Census Block Group	3
Census Block	3008
Census Tract	200

Owner

Source: Buchanan County records, as of October 6, 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	1813 CLIFFORD ST, SAINT JOSEPH, MO 64505-1215
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN MO
Recording Date	Jul 9, 2026
Property Address	1813 CLIFFORD ST, SAINT JOSEPH, MO 64505-1215
Document Number	0000005588
Book / Page	3820 / 343
Instrument Date	Jul 1, 2026
Instrument	20265588
Transaction Type	Mortgage
Record Updated	Jul 20, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1813 CLIFFORD ST, SAINT JOSEPH, MO 64505-1215

Mortgage

Document Number	0000005588,
Date	Jul 9, 2026
Book Page	3820/343
Instrument	20265588

Lender

Name	COMMERCE BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jul 1, 2036

Interest

Rate	6.48%
Max Rate	-1%

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	$985.00	$15,550 (+15.27%) Land $1,230 Building $14,320	$81,800 (+15.29%) Land $6,450 Building $75,350
2024	$985.00 (+11.93%)
2023	$880.00 (-0.68%)	$13,490 (-) Land $1,230 Building $12,260	$70,950 (-) Land $6,450 Building $64,500
2022	$886.00	$13,490 Land $1,230 Building $12,260
2021			$70,950 Land $6,450 Building $64,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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	5 (1982–2021)
Most Recent Claim	Jun 2021 · Severe Storms, Straight-line Winds, Tornadoes, And Flooding
Claims by Event	Severe Storms & Flooding, Jul 1993 · 3 claims

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	Not rated no burnable land within 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 205 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
Verizon Fixed Wireless	300 / 20
Mercury Fiber Fixed Wireless	150 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20