2015 Lovers Ln, Saint Joseph, MO 64505 Property Records

Buchanan County property record for 2015 Lovers Ln, Saint Joseph, MO 64505

Property Summary

Property Type	Single Family Home
Details	1,368 sqft · built 1922
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on Record
Last Sale	$190,000 (Dec 2019)
Tax Bill	$2,107 (2025)
Deeds & Mortgages	Dec 2019 Mortgage
APN	`06-2.0-04-002-003-118.000`

Property Details

APN / Parcel Number

Primary APN	`06-2.0-04-002-003-118.000`

Interior

Building Area	1,368 sqft Base Area
1st Floor Area	1,368 sqft

Exterior

Year Built	Built 1922
Effective Year Built	Effective 1922
Lot Area	10,890 sqft (0.25 acres)
Lot Dimensions	144 ft deep x 75 ft wide

Location & Zoning

Street Address	2015 LOVERS LN
City	SAINT JOSEPH
State	MO
Zip	64505-2243
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CITY
Legal Description	SUB:LOVERS LANE PLACE LOT:20 BLK:2LGL DESC:& S 1/2 OF L 21
Legal Subdivision	LOVERS LANE PLACE
Legal Block	2
Legal Lot Number	20
Jurisdiction	BUCHANAN MO
Township / Civil Division	WASHINGTON
Census Block Group	2
Census Block	2015
Census Tract	500

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	2015 LOVERS LN, SAINT JOSEPH, MO 64505-2243
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 13, 2019 · Amount on Record
Deed Sale	Dec 13, 2019 · Amount on Record
Prior Sale	Jul 21, 2014 · Amount on Record
Deed Document Number	201910859
Deed Book / Page	3744 / 400
Prior Transfer Date	Nov 10, 2011
Prior Transfer Doc	03300/0530
Record Updated	Sep 20, 2026

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUCHANAN MO
Recording Date	Dec 13, 2019
Property Address	2015 LOVERS LN, SAINT JOSEPH, MO 64505-2243
Document Number	003744/400
Book / Page	3744 / 400
Instrument Date	Dec 12, 2019
Instrument	2019010859
Transaction Type	Transfer
Record Updated	Aug 16, 2022
Title Company	ST JOSEPH TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 4326, SAINT JOSEPH, MO 64504-0326

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2015 LOVERS LN, SAINT JOSEPH, MO 64505-2243

Mortgage

Document Number	003744/401
Date	Dec 13, 2019
Book Page	3744/401
Instrument	2019010860

Lender

Name	PRIMELENDING
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	372 Months
Due	Jan 1, 2050

Interest

Rate Type	Fixed Rate

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	$2,107.00	$29,400 (+6.21%) Land $4,750 Building $24,650	$154,750 (+6.21%) Land $25,000 Building $129,750
2024	$2,107.00 (+15.9%)
2023	$1,818.00 (-0.66%)	$27,680 (-) Land $4,750 Building $22,930	$145,700 (-) Land $25,000 Building $120,700
2022	$1,830.00	$27,680 Land $4,750 Building $22,930
2021			$145,700 Land $25,000 Building $120,700

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 Policies	1 in force
Nearby Flood Claims	1 (2024)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 2024 · other causes

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 95% of the US · lower than 93% 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 433 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