2103 NE 85th Rd, Saint Joseph, MO 64507 Property Records

Buchanan County property record for 2103 NE 85th Rd, Saint Joseph, MO 64507

Property Summary

Property Type	Single Family Home
Details	1,669 sqft · built 1987
Lot Size	3.21 acres (139,828 sqft)
Owner	2 Individual Names on File
Last Sale	$414,295 (Jun 2026)
Tax Bill	$2,678 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Jan 2022 Mortgage
APN	`07-2.0-03-000-000-009.002`

Property Details

APN / Parcel Number

Primary APN	`07-2.0-03-000-000-009.002`

Interior

Building Area	1,669 sqft Base Area
1st Floor Area	1,669 sqft

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Lot Area	139,828 sqft (3.21 acres)

Location & Zoning

Street Address	2103 NE 85TH RD
City	SAINT JOSEPH
State	MO
Zip	64507-8783
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A-OR
Legal Description	SUB:FRITZ-KLEIN ESTATES LOT:2 BLK:0LGL DESC:
Legal Subdivision	FRITZ-KLEIN ESTATES
Legal Lot Number	2
Jurisdiction	BUCHANAN MO
Township / Civil Division	MARION
Census Block Group	2
Census Block	2381
Census Tract	2700

Owner

2103 NE 85th Rd is owned and occupied by two individuals who bought it in June 2026.

Source: Buchanan County records, as of July 8, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2103 NE 85TH RD, SAINT JOSEPH, MO 64507-8783
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Jun 15, 2026	Warranty Deed, Transfer · Conventional Mortgage U S BANK N A
Jan 13, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage NBH BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 15, 2026 · Amount on File
Deed Sale	Jun 15, 2026 · Amount on File
Prior Sale	Jan 13, 2022 · Amount on File
Deed Document Number	20264773
Deed Book / Page	3819 / 530
Prior Transfer Date	Dec 30, 2021
Prior Transfer Doc	003771/856
Record Updated	Sep 20, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUCHANAN MO
Recording Date	Jun 15, 2026
Property Address	2103 NE 85TH RD, SAINT JOSEPH, MO 64507-8783
Document Number	0000004773
Book / Page	3819 / 530
Instrument Date	Jun 15, 2026
Instrument	20264773
Transaction Type	Transfer
Record Updated	Jun 22, 2026
Title Company	ADVANTAGE TITLE INC, ADVANTAGE TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment 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	2103 NE 85TH RD, SAINT JOSEPH, MO 64507-8783

Mortgage

Document Number	0000004774,
Date	Jun 15, 2026
Instrument	20264774

Lender

Name	U S BANK N A

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

January 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BUCHANAN MO
Recording Date	Jan 13, 2022
Property Address	2103 NE 85TH RD, SAINT JOSEPH, MO 64507-8783
Document Number	003771/856
Book / Page	3771 / 856
Instrument Date	Dec 30, 2021
Instrument	2022000422
Transaction Type	Transfer
Record Updated	Jan 25, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2103 NE 85TH RD, SAINT JOSEPH, MO 64507-8783

Mortgage

Document Number	2022000423
Date	Jan 13, 2022
Instrument	2022000423

Lender

Name	NBH BANK NA
Type	Bank

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 2103 NE 85th Rd was $2,678.

Source: Buchanan County assessment roll, as of November 4, 2025

Property Jurisdictions

Type	Name
State	Missouri
County	Buchanan County
Unified School District	St. Joseph School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,678.00	$44,950 Land $4,010 Building $40,940	$236,570 Land $21,110 Building $215,460
2024	$2,678.00 (+17.25%)
2023	$2,284.00 (-0.83%)	$42,330 (-) Land $4,010 Building $38,320	$222,790 Land $21,110 Building $201,680
2022	$2,303.00	$42,330 Land $4,010 Building $38,320
2021			$222,790 Land $21,110 Building $201,680

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 2103 NE 85th Rd; there have been 8 flood claims nearby since 1978.

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	5 in force
Nearby Flood Claims	8 (1978–2021)
Most Recent Claim	Jun 2021 · Severe Storms, Straight-line Winds, Tornadoes, And Flooding
Claims by Event	Severe Storms, Straight-line Winds, Tornadoes, And Flooding, Jun 2021 · 2 claims Severe Storms, Tornadoes, Straight-line Winds, And Flooding, Jun 2015 · 2 claims

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

Wildfire risk around 2103 NE 85th Rd is moderate, ranking above 42% of the US, with a 0.06% annual chance of wildfire.

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

Wildfire Risk	Moderate above 42% of the US · above 45% of Missouri
Wildfire Likelihood	0.06% 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	ANDREW COUNTY PWSD 2 serves 3,580 people · EPA ID MO1024005
Water Source	Purchased groundwater from MO AMERICAN ST JOSEPH
Last State Inspection	May 2024
Lead	Under 1 ppb (2024–2026) 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 25 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
United Fiber Fiber	1,000 / 1,000
Mercury Fiber Fixed Wireless	150 / 20

Cell Coverage

4G LTE (outdoors only), no 5G reported

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