2109 Lovers Ln, Saint Joseph, MO 64505 Property Records

Buchanan County property record for 2109 Lovers Ln, Saint Joseph, MO 64505

Property Summary

Property Type	Single Family Home
Details	1,590 sqft · built 1910
Lot Size	0.374 acres (16,322 sqft)
Owner	2 Individual Names on File
Last Sale	$368,100 (Jul 2021)
Tax Bill	$2,183 (2025)
Deeds & Mortgages	Jul 2021 Mortgage
APN	`06-2.0-04-002-001-106.000`

Property Details

APN / Parcel Number

Primary APN	`06-2.0-04-002-001-106.000`

Interior

Building Area	1,590 sqft Base Area
1st Floor Area	1,590 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Lot Area	16,322 sqft (0.374 acres)
Lot Dimensions	163 ft deep x 100 ft wide

Location & Zoning

Street Address	2109 LOVERS LN
City	SAINT JOSEPH
State	MO
Zip	64505-2245
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CITY
Legal Description	SUB:KENWOOD HEIGHTS LOT:6 BLK:2LGL DESC:& L 7& PART L11 BEG SW COR L11 TH N 23.22' SE 54.86' SW 1.44' W 50.16' TO POB
Legal Subdivision	KENWOOD HEIGHTS
Legal Block	2
Legal Lot Number	6
Jurisdiction	BUCHANAN MO
Township / Civil Division	WASHINGTON
Census Block Group	1
Census Block	1020
Census Tract	500

Owner

2109 Lovers Ln is owned and occupied by two individuals who bought it in July 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	2109 LOVERS LN, SAINT JOSEPH, MO 64505-2245
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 13, 2021 · Amount on File
Deed Sale	Jul 13, 2021 · Amount on File
Prior Sale	Oct 14, 2010 · Amount on File
Deed Document Number	20217332
Deed Book / Page	3764 / 658
Record Updated	Sep 20, 2026

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUCHANAN MO
Recording Date	Jul 13, 2021
Property Address	2109 LOVERS LN, SAINT JOSEPH, MO 64505-2245
Document Number	3764/658
Book / Page	3764 / 658
Instrument Date	Jun 25, 2021
Instrument	2021007332
Transaction Type	Transfer
Record Updated	Jul 28, 2021
Title Company	NOT AVAILABLE, ST JOSEPH TITLE LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2109 LOVERS LN, COUNTRY CLUB, MO 64505-2245

Mortgage

Document Number	2021007333
Date	Jul 13, 2021
Instrument	2021007333

Lender

Name	BANK OF ENGLAND
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 2109 Lovers Ln was $2,183, up % from the year before.

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	$2,183.00 (+0.05%)	$30,470 Land $4,750 Building $25,720	$160,390 Land $25,000 Building $135,390
2024	$2,182.00 (+20.82%)
2023	$1,806.00 (-0.66%)	$27,490 (-) Land $4,750 Building $22,740	$144,700 Land $25,000 Building $119,700
2022	$1,818.00	$27,490 Land $4,750 Building $22,740
2021			$144,700 Land $25,000 Building $119,700

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 2109 Lovers Ln; there have been 14 flood claims nearby since 1982.

Source: FEMA National Flood Hazard Layer · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Not on file
Flood Insurance Cost	Premium on File median of 21 policies
Nearby Flood Policies	21 in force
Nearby Flood Claims	14 (1982–1993)
Claims Outside the SFHA	2 of 14
Most Recent Claim	Jul 1993 · Severe Storms & Flooding
Claims by Event	Severe Storms & Flooding, Jul 1993 · 11 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 2109 Lovers Ln is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 97% of the US · lower than 95% 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 246 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