2028 Clay St, Saint Joseph, MO 64501 Property Records

Buchanan County property record for 2028 Clay St, Saint Joseph, MO 64501

Property Summary

Property Type	Single Family Home
Details	2,055 sqft · built 1905
Lot Size	0.39 acres (16,988 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,321 (2025)
Deeds & Mortgages	Apr 2020 Mortgage Jun 2022 Sale + 1 more
APN	`06-2.0-09-002-004-084.000`

Property Details

APN / Parcel Number

Primary APN	`06-2.0-09-002-004-084.000`

Interior

Building Area	2,055 sqft Base Area
1st Floor Area	2,055 sqft

Exterior

Year Built	Built 1905
Effective Year Built	Effective 1905
Lot Area	16,988 sqft (0.39 acres)
Lot Dimensions	140 ft deep x 120 ft wide

Location & Zoning

Street Address	2028 CLAY ST
City	SAINT JOSEPH
State	MO
Zip	64501-2049
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CITY
Legal Description	SUB:HEDENBERG'S ADDITION LOT:7-8-9 BLK:1LGL DESC:
Legal Subdivision	HEDENBERGS ADDITION
Legal Block	1
Legal Lot Number	7-9
Jurisdiction	BUCHANAN MO
Township / Civil Division	WASHINGTON
Census Block Group	1
Census Block	1031
Census Tract	1000

Historic Designation

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

Historic District	Within the Kemper Addition Historic District listed 2002 · 79 contributing resources · NRIS 01000721

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

Owner

Source: Buchanan County records, as of August 6, 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	2028 CLAY ST, SAINT JOSEPH, MO 64501-2049
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 27, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNION HOME MORTGAGE CORP
Jun 28, 2022	Warranty Deed, Transfer STEWART TITLE COMPANY-MIDLAND DIV, STEWART TTL CO MIDWEST DIVI
Aug 6, 2018	Deed, Transfer · Conventional Mortgage UNION HOME MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 28, 2022
Deed Sale	Jun 28, 2022
Prior Sale	Aug 6, 2018 · Amount on Record
Deed Document Number	20226206
Deed Book / Page	3777 / 601
Record Updated	Sep 20, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN MO
Property Address	2028 CLAY ST, SAINT JOSEPH, MO 64501-2049
Transaction Type	Mortgage
Record Updated	Jul 11, 2022
Title Company	PREFERRED TITLE/STATE JOSEPH LLC, PREFERRED TTL OF ST JOSEPH L

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0003748/79
Date	Apr 27, 2020
Book Page	3748/79
Instrument	2020003225

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company
Address	STRONGSVILLE, OH 44136

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUCHANAN MO
Recording Date	Jun 28, 2022
Property Address	2028 CLAY ST, SAINT JOSEPH, MO 64501-2049
Document Number	003777/601
Book / Page	3777 / 601
Instrument Date	Jun 27, 2022
Instrument	2022006206
Transaction Type	Transfer
Record Updated	Jul 11, 2022
Title Company	STEWART TITLE COMPANY-MIDLAND DIV, STEWART TTL CO MIDWEST DIVI

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2028 CLAY ST, SAINT JOSEPH, MO 64501-2049

August 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	BUCHANAN MO
Recording Date	Aug 6, 2018
Property Address	2028 CLAY ST, SAINT JOSEPH, MO 64501-2049
Document Number	2018007154
Instrument Date	Aug 6, 2018
Instrument	2018007154
Transaction Type	Transfer
Record Updated	Jul 11, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2028 CLAY ST, SAINT JOSEPH, MO 64501-2049

Mortgage

Document Number	2018007155
Date	Aug 6, 2018
Instrument	2018007155

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2048

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	$2,321.00	$32,580 (+6.92%) Land $2,470 Building $30,110	$171,460 (+6.9%) Land $13,000 Building $158,460
2024	$2,321.00 (+16.81%)
2023	$1,987.00 (-0.7%)	$30,470 (-) Land $2,470 Building $28,000	$160,390 (-) Land $13,000 Building $147,390
2022	$2,001.00	$30,470 Land $2,470 Building $28,000
2021			$160,390 Land $13,000 Building $147,390

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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	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

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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