Buchanan County property record for 2113 Lovers Ln, Saint Joseph, MO 64505
| Property Type | Single Family Home |
|---|---|
| Details | 1,500 sqft · built 1907 |
| Lot Size | 0.244 acres (10,640 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $212,500 (Nov 2021) |
| Tax Bill | $1,886 (2025) |
| Deeds & Mortgages | Nov 2023 Mortgage Feb 2023 Second Mortgage + 1 more |
| APN | 06-2.0-04-002-001-104.000 |
| Primary APN | 06-2.0-04-002-001-104.000 |
|---|
| Building Area | 1,500 sqft Base Area |
|---|---|
| 1st Floor Area | 1,500 sqft |
| Year Built | Built 1907 |
|---|---|
| Effective Year Built | Effective 1907 |
| Lot Area | 10,640 sqft (0.244 acres) |
| Lot Dimensions | 140 ft deep x 76 ft wide |
| Street Address | 2113 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:9 BLK:2LGL DESC:ALL EX W 24' L9 ALL L10 |
| Legal Subdivision | KENWOOD HEIGHTS |
| Legal Block | 2 |
| Legal Lot Number | 9 |
| Jurisdiction | BUCHANAN MO |
| Township / Civil Division | WASHINGTON |
| Census Block Group | 1 |
| Census Block | 1020 |
| Census Tract | 500 |
Source: Buchanan County records, as of May 27, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 2113 LOVERS LN, SAINT JOSEPH, MO 64505-2245 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 29, 2023 | Deed of Trust, Mortgage · Conventional Mortgage COMMERCE BANK |
| Feb 14, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage COMMERCE BANK |
| Nov 17, 2021 | Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 17, 2021 · Amount on Record |
| Deed Sale | Nov 17, 2021 · Amount on Record |
| Prior Sale | Aug 12, 2016 |
| Deed Document Number | 202112575 |
| Deed Book / Page | 3769 / 869 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BUCHANAN MO |
| Property Address | 2113 LOVERS LN, SAINT JOSEPH, MO 64505-2245 |
| Transaction Type | Mortgage |
| Record Updated | Dec 11, 2023 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|---|
| Address | 2113 LOVERS LN, SAINT JOSEPH, MO 64505-2245 |
| Document Number | 003792/841 |
|---|---|
| Date | Nov 29, 2023 |
| Book Page | 3792/841 |
| Instrument | 2023009410 |
| Name | COMMERCE BANK |
|---|---|
| Type | Bank |
| Address | KANSAS CITY, MO 64106 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BUCHANAN MO |
| Property Address | 2113 LOVERS LN, SAINT JOSEPH, MO 64505-2245 |
| Transaction Type | Mortgage |
| Record Updated | Feb 27, 2023 |
| Name | Verified Name |
|---|---|
| Address | 2113 LOVERS LN, SAINT JOSEPH, MO 64505-2245 |
| Document Number | 003784/541 |
|---|---|
| Date | Feb 14, 2023 |
| Book Page | 3784/541 |
| Instrument | 2023001023 |
| Name | COMMERCE BANK |
|---|---|
| Type | Bank |
| Address | KANSAS CITY, MO 64106 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Feb 7, 2033 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BUCHANAN MO |
| Recording Date | Nov 17, 2021 |
| Property Address | 2113 LOVERS LN, SAINT JOSEPH, MO 64505-2245 |
| Document Number | 3769/869 |
| Book / Page | 3769 / 869 |
| Map Reference | ST JOSEPH |
| Instrument Date | Nov 15, 2021 |
| Instrument | 2021012575 |
| Transaction Type | Transfer |
| Record Updated | Nov 30, 2021 |
| Title Company | NOT AVAILABLE, ST JOSEPH TITLE LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2113 LOVERS LN, SAINT JOSEPH, MO 64505-2245 |
| Document Number | 2021012576 |
|---|---|
| Date | Nov 17, 2021 |
| Instrument | 2021012576 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2051 |
Source: Buchanan County assessment roll, as of November 4, 2025
| Type | Name |
|---|---|
| State | Missouri |
| County | Buchanan County |
| Municipality | St. Joseph City |
| Unified School District | St. Joseph School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,886.00 (+0.05%) | $26,310 (+16.16%) Land $4,280 Building $22,030 | $138,470 (+16.17%) Land $22,500 Building $115,970 |
| 2024 | $1,885.00 (+26.6%) | ||
| 2023 | $1,489.00 (-0.67%) | $22,650 (-) Land $4,280 Building $18,370 | $119,200 (-) Land $22,500 Building $96,700 |
| 2022 | $1,499.00 | $22,650 Land $4,280 Building $18,370 | |
| 2021 | $119,200 Land $22,500 Building $96,700 |
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.
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 Record 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 |
|
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.
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.
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 |
| 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.
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 |
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