1920 Clay St, Saint Joseph, MO 64501 Property Records

Buchanan County property record for 1920 Clay St, Saint Joseph, MO 64501

Property Summary

Property Type	Single Family Home
Details	1,676 sqft · built 1902
Lot Size	0.26 acres (11,326 sqft)
Owner	Individual Name on File
Last Sale	$281,667 (Oct 2022)
Tax Bill	$1,697 (2025)
Deeds & Mortgages	Oct 2022 Mortgage Mar 2018 Mortgage + 3 more
APN	`06-2.0-09-002-004-072.000`

Property Details

APN / Parcel Number

Primary APN	`06-2.0-09-002-004-072.000`

Interior

Building Area	1,676 sqft Base Area
1st Floor Area	1,676 sqft

Exterior

Year Built	Built 1902
Effective Year Built	Effective 1902
Lot Area	11,326 sqft (0.26 acres)
Lot Dimensions	182 ft deep x 62 ft wide

Location & Zoning

Street Address	1920 CLAY ST
City	SAINT JOSEPH
State	MO
Zip	64501-2047
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CITY
Legal Description	SUB:KEMPER'S LOT:5 BLK:7LGL DESC:
Legal Subdivision	KEMPERS
Legal Block	7
Legal Lot Number	5
Jurisdiction	BUCHANAN MO
Township / Civil Division	WASHINGTON
Census Block Group	1
Census Block	1014
Census Tract	1000

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Harris Addition Historic District listed 2003 · 312 contributing resources · NRIS 01000723

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

1920 Clay St is owned and occupied by an individual who bought it in October 2022.

Source: Buchanan County records, as of October 21, 2026

Owner of Record	Individual Name on File
Mailing Address	1920 CLAY ST, SAINT JOSEPH, MO 64501-2047
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
Oct 19, 2022	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Mar 27, 2018	Deed, Transfer · Conventional Mortgage JP MORGAN CHASE BANK
Aug 10, 2017	Deed, Transfer · Conventional Mortgage PRIMELENDING
Apr 17, 2017	Deed, Transfer
Apr 17, 2017	Deed, Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 19, 2022 · Amount on File
Deed Sale	Oct 19, 2022 · Amount on File
Prior Sale	Mar 27, 2018 · Amount on File
Deed Document Number	202210186
Deed Book / Page	3781 / 554
Record Updated	Oct 29, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUCHANAN MO
Recording Date	Oct 19, 2022
Property Address	1920 CLAY ST, SAINT JOSEPH, MO 64501-2047
Document Number	003781/554
Book / Page	3781 / 554
Instrument Date	Oct 18, 2022
Instrument	2022010186
Transaction Type	Transfer
Record Updated	Oct 31, 2022
Title Company	NOT AVAILABLE, ST JOSEPH TITLE LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4604 WILSHIRE DR S, 4604, SAINT JOSEPH, MO 64506-4554

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1920 CLAY ST, SAINT JOSEPH, MO 64501-2047

Mortgage

Document Number	2022010187
Date	Oct 19, 2022
Instrument	2022010187

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2052

March 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	BUCHANAN MO
Recording Date	Mar 27, 2018
Property Address	1920 CLAY ST, SAINT JOSEPH, MO 64501-2047
Document Number	2018002493
Instrument Date	Mar 26, 2018
Instrument	2018002493
Transaction Type	Transfer
Record Updated	Aug 16, 2022
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15106 WOODCLIFF CIR, KEARNEY, MO 64060-9208

Mortgage

Document Number	2018002494
Date	Mar 27, 2018
Instrument	2018002494

Lender

Name	JP MORGAN CHASE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2048

Interest

Rate Type	Fixed Rate

August 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	BUCHANAN MO
Recording Date	Aug 10, 2017
Property Address	1920 CLAY ST, SAINT JOSEPH, MO 64501-2047
Document Number	2017007807
Instrument Date	Aug 4, 2017
Instrument	2017007807
Transaction Type	Transfer
Record Updated	Aug 16, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	502 N IVES ST, HIGHLAND, KS 66035-4016

Mortgage

Document Number	2017007808
Date	Aug 10, 2017
Instrument	2017007808

Lender

Name	PRIMELENDING

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

April 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	BUCHANAN MO
Recording Date	Apr 17, 2017
Property Address	1920 CLAY ST, SAINT JOSEPH, MO 64501-2047
Document Number	2017003400
Instrument Date	Apr 14, 2017
Instrument	2017003400
Transaction Type	Transfer
Record Updated	Feb 6, 2021

Transaction

Tax	$0.00
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3401 W END AVE # 760W, 760W, NASHVILLE, TN 37203-1042

April 2017: Deed, Foreclosure

Document Type	Deed
Jurisdiction	BUCHANAN MO
Recording Date	Apr 17, 2017
Property Address	1920 CLAY ST, SAINT JOSEPH, MO 64501-2047
Document Number	2017003400
Instrument Date	Apr 14, 2017
Instrument	2017003400
Transaction Type	Foreclosure
Record Updated	Sep 27, 2023

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3401 W END AVE # 760W, 760W, NASHVILLE, TN 37203-1042

Tax Assessment & Valuation

The 2025 property tax bill for 1920 Clay St was $1,697.

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	$1,697.00	$23,820 Land $1,810 Building $22,010	$125,340 Land $9,500 Building $115,840
2024	$1,697.00 (+16.79%)
2023	$1,453.00 (-0.68%)	$22,280 (-) Land $1,810 Building $20,470	$117,250 Land $9,500 Building $107,750
2022	$1,463.00	$22,280 Land $1,810 Building $20,470
2021			$117,250 Land $9,500 Building $107,750

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 1920 Clay St; there have been 4 flood claims nearby since 1993.

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	4 in force
Nearby Flood Claims	4 (1993–2005)
Claims Outside the SFHA	1 of 4
Most Recent Claim	May 2005 · rainfall accumulation

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

The area around 1920 Clay St has no burnable land within ember reach, so its wildfire risk is not rated.

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 684 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
Starlink Satellite	280 / 30
Mercury Fiber Fixed Wireless	150 / 20

May also be available: AT&T.

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