1906 Main St, Saint Joseph, MO 64505 Property Records

Buchanan County property record for 1906 Main St, Saint Joseph, MO 64505

Property Summary

Property Type	Single Family Home
Details	828 sqft · built 1902
Lot Size	0.21 acres (9,148 sqft)
Owner	Individual Name on File
Last Sale	$120,987 (Jun 2026)
Tax Bill	$794 (2025)
Deeds & Mortgages	Sep 2007 Mortgage Jun 2026 Sale & Mortgage
APN	`06-3.0-05-003-002-153.000`

Property Details

APN / Parcel Number

Primary APN	`06-3.0-05-003-002-153.000`

Interior

Building Area	828 sqft Base Area
1st Floor Area	828 sqft

Exterior

Year Built	Built 1902
Effective Year Built	Effective 1902
Lot Area	9,148 sqft (0.21 acres)
Lot Dimensions	150 ft deep x 60 ft wide

Location & Zoning

Street Address	1906 MAIN ST
City	SAINT JOSEPH
State	MO
Zip	64505-2449
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CITY
Legal Description	SUB:SAINT JOSEPH EXTENSION LOT:9 BLK:18LGL DESC:L 9 S 20' L 10 & W 10' OF MAIN ST
Legal Subdivision	SAINT JOSEPH EXTENSION
Legal Block	18
Legal Lot Number	9
Jurisdiction	BUCHANAN MO
Township / Civil Division	WASHINGTON
Census Block Group	2
Census Block	2046
Census Tract	400

Owner

1906 Main St is owned and occupied by an individual who bought it in June 2026.

Source: Buchanan County records, as of June 23, 2026

Owner of Record	Individual Name on File
Mailing Address	1906 MAIN ST, SAINT JOSEPH, MO 64505-2449
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

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
Sep 5, 2007	Deed of Trust, Mortgage CITIFINANCIAL SERVICES INC
Jun 5, 2026	Warranty Deed, Transfer · FHA Mortgage LEADER ONE FINANCIAL CORPORATION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 5, 2026 · Amount on File
Deed Sale	Jun 5, 2026 · Amount on File
Deed Document Number	20264462
Deed Book / Page	3819 / 228
Record Updated	Sep 20, 2026

September 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN MO
Property Address	1906 MAIN ST, SAINT JOSEPH, MO 64505-2449
Transaction Type	Mortgage
Record Updated	Jun 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	03024/0199
Date	Sep 5, 2007
Book Page	3024/0199
Instrument	2007012747

Lender

Name	CITIFINANCIAL SERVICES INC
Address	SAINT JOSEPH, MO 64506

Agreement

Amount	Amount on Record
Term	360 Months
Due	Sep 15, 2037

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUCHANAN MO
Recording Date	Jun 5, 2026
Property Address	1906 MAIN ST, SAINT JOSEPH, MO 64505-2449
Document Number	0000004462
Book / Page	3819 / 228
Instrument Date	Apr 29, 2026
Instrument	20264462
Transaction Type	Transfer
Record Updated	Jun 12, 2026
Title Company	DRIT TITLE, DRI TITLE

Transaction

Amount	Amount 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
Address	1906 MAIN ST, SAINT JOSEPH, MO 64505-2449
Investor	Possibly a Property Investor

Mortgage

Document Number	0000004466,
Date	Jun 5, 2026
Instrument	20264466

Lender

Name	LEADER ONE FINANCIAL CORPORATION

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	6.23%
Max Rate	-1%

Mortgage

Document Number	0000004468,
Date	Jun 5, 2026
Book Page	3819/234
Instrument	20264468

Lender

Name	MISSOURI HOUSING DEVELOPMENT COMMISSION

Agreement

Amount	Amount on Record

Interest

Rate	6.23%
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 1906 Main St was $794.

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	$794.00	$12,170 Land $1,250 Building $10,920	$64,050 Land $6,600 Building $57,450
2024	$794.00 (+11.52%)
2023	$712.00 (-0.7%)	$10,900 (-) Land $1,250 Building $9,650	$57,400 Land $6,600 Building $50,800
2022	$717.00	$10,900 Land $1,250 Building $9,650
2021			$57,400 Land $6,600 Building $50,800

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

Flood

FEMA has no flood map on file for 1906 Main 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 1906 Main St is low, with a 0.03% annual chance of 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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