1817 Prospect Ave, Saint Joseph, MO 64505 Property Records

Buchanan County property record for 1817 Prospect Ave, Saint Joseph, MO 64505

Property Summary

Property Type	Single Family Home
Details	1,000 sqft · built 1962
Lot Size	0.17 acres (7,405 sqft)
Owner	Individual Name on Record
Last Sale	$90,000 (May 2021)
Tax Bill	$747 (2025)
Deeds & Mortgages	May 2021 Mortgage
APN	`06-3.0-05-003-002-224.000`

Property Details

APN / Parcel Number

Primary APN	`06-3.0-05-003-002-224.000`

Interior

Building Area	1,000 sqft Base Area
1st Floor Area	1,000 sqft

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Lot Area	7,405 sqft (0.17 acres)
Lot Dimensions	189 ft deep x 40 ft wide

Location & Zoning

Street Address	1817 PROSPECT AVE
City	SAINT JOSEPH
State	MO
Zip	64505-2344
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CITY
Legal Description	SUB:SAINT JOSEPH EXTENSION LOT:3 BLK:16LGL DESC:LOT 3 BLK 16 & E 40' VAC PROSPECT AVE ADJ ON WEST
Legal Subdivision	SAINT JOSEPH EXTENSION
Legal Block	16
Legal Lot Number	3
Jurisdiction	BUCHANAN MO
Township / Civil Division	WASHINGTON
Census Block Group	1
Census Block	1006
Census Tract	400

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	Individual Name on Record
Mailing Address	1817 PROSPECT AVE, SAINT JOSEPH, MO 64505-2344
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 4, 2021 · Amount on Record
Deed Sale	May 4, 2021 · Amount on Record
Prior Sale	Apr 19, 2010 · Amount on Record
Deed Document Number	20214464
Deed Book / Page	3761 / 813
Prior Transfer Date	Mar 16, 2007
Prior Transfer Doc	02980/0377
Record Updated	Sep 20, 2026

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUCHANAN MO
Recording Date	May 4, 2021
Property Address	1817 PROSPECT AVE, SAINT JOSEPH, MO 64505-2344
Document Number	3761/813
Book / Page	3761 / 813
Instrument Date	May 3, 2021
Instrument	2021004464
Transaction Type	Transfer
Record Updated	May 12, 2021
Title Company	PREFERRED TITLE/STATE JOSEPH LLC, PREFERRED TTL OF ST JOSEPH L

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1817 PROSPECT AVE, SAINT JOSEPH, MO 64505-2344

Mortgage

Document Number	2021004465
Date	May 4, 2021
Instrument	2021004465

Lender

Name	HOLY ROSARY CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Type Change Date	Jun 1, 2026
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	8%
Index	5-Year TN
Max Rate	11%

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	$747.00	$10,480 (+6.72%) Land $940 Building $9,540	$55,190 (+6.77%) Land $4,970 Building $50,220
2024	$747.00 (+16.54%)
2023	$641.00 (-0.62%)	$9,820 (-) Land $940 Building $8,880	$51,690 (-) Land $4,970 Building $46,720
2022	$645.00	$9,820 Land $940 Building $8,880
2021			$51,690 Land $4,970 Building $46,720

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

Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Nearby Flood Claims	1 (1993)
Most Recent Claim	Jul 1993 · Severe Storms & Flooding

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 67% of the US · lower than 78% of Missouri
Wildfire Likelihood	0.03% 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 499 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: United Fiber.

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