1903 N 3rd St, Saint Joseph, MO 64505 Property Records

Buchanan County property record for 1903 N 3rd St, Saint Joseph, MO 64505

Property Summary

Property Type	Single Family Home
Details	1,161 sqft · built 1902
Lot Size	0.13 acres (5,663 sqft)
Owner	Individual Name on File
Last Sale	$55,700 (Jan 2019)
Tax Bill	$444 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Jan 2019 Mortgage + 1 more
APN	`06-3.0-05-003-001-085.000`

Property Details

APN / Parcel Number

Primary APN	`06-3.0-05-003-001-085.000`

Interior

Building Area	1,161 sqft Base Area
1st Floor Area	1,161 sqft

Exterior

Year Built	Built 1902
Effective Year Built	Effective 1902
Lot Area	5,663 sqft (0.13 acres)
Lot Dimensions	140 ft deep x 40 ft wide

Location & Zoning

Street Address	1903 N 3RD ST
City	SAINT JOSEPH
State	MO
Zip	64505-2535
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CITY
Legal Description	SUB:SAINT JOSEPH EXTENSION LOT:5 BLK:21LGL DESC:
Legal Subdivision	SAINT JOSEPH EXTENSION
Legal Block	21
Legal Lot Number	5
Jurisdiction	BUCHANAN MO
Township / Civil Division	WASHINGTON
Census Block Group	2
Census Block	2026
Census Tract	400

Owner

1903 N 3rd St is owned and occupied by an individual who bought it in January 2019.

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

Owner of Record	Individual Name on File
Mailing Address	1903 N 3RD ST, SAINT JOSEPH, MO 64505-2535
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
Mar 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN PORTFOLIO MORTGAGE CORP
Jan 18, 2019	Deed, Transfer · FHA Mortgage AMERICAN PORTFOLIO MTG CORP
Jan 18, 2019	Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 18, 2019 · Amount on File
Deed Sale	Jan 18, 2019 · Amount on File
Prior Sale	Jan 18, 2019 · Amount on File
Deed Document Number	2019438
Deed Book / Page	3723 / 193
Record Updated	Sep 20, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN MO
Property Address	1903 N 3RD ST, SAINT JOSEPH, MO 64505-2535
Transaction Type	Mortgage
Record Updated	May 13, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1903 N 3RD ST, SAINT JOSEPH, MO 64505-2535

Mortgage

Document Number	0003760/35
Date	Mar 19, 2021
Book Page	3760/35
Instrument	2021002680

Lender

Name	AMERICAN PORTFOLIO MORTGAGE CORP
Type	Mortgage Company
Address	PALATINE, IL 60067

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Apr 1, 2041

January 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	BUCHANAN MO
Recording Date	Jan 18, 2019
Property Address	1903 N 3RD ST, SAINT JOSEPH, MO 64505-2535
Document Number	003723/193
Book / Page	3723 / 193
Instrument Date	Jan 18, 2019
Instrument	2019000438
Transaction Type	Transfer
Record Updated	May 13, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1903 N 3RD ST, SAINT JOSEPH, MO 64505-2535

Mortgage

Document Number	003723/196
Date	Jan 18, 2019
Book Page	3723/196
Instrument	2019000439

Lender

Name	AMERICAN PORTFOLIO MTG CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2049

Interest

Rate Type	Fixed Rate

January 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	BUCHANAN MO
Recording Date	Jan 18, 2019
Property Address	1903 N 3RD ST, SAINT JOSEPH, MO 64505-2535
Document Number	003723/191
Book / Page	3723 / 191
Instrument Date	Jan 18, 2019
Instrument	2019000437
Transaction Type	Transfer
Record Updated	May 13, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1903 N 3RD ST, SAINT JOSEPH, MO 64505-2535

Tax Assessment & Valuation

The 2025 property tax bill for 1903 N 3rd St was $444.

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	$444.00	$6,210 Land $810 Building $5,400	$32,700 Land $4,270 Building $28,430
2024	$444.00 (+16.23%)
2023	$382.00 (-0.78%)	$5,840 (-) Land $810 Building $5,030	$30,720 Land $4,270 Building $26,450
2022	$385.00	$5,840 Land $810 Building $5,030
2021			$30,720 Land $4,270 Building $26,450

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

FEMA has no flood map on file for 1903 N 3rd St.

Source: FEMA National Flood Hazard Layer

FEMA Flood Zone	Not on file

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 1903 N 3rd St is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 84% 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 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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