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2138 S 12th St, Saint Joseph, MO 64503 Property Records

Buchanan County property record for 2138 S 12th St, Saint Joseph, MO 64503

Property Summary

Property TypeSingle Family Home
Details1,020 sqft · built 1902
Lot Size0.13 acres (5,663 sqft)
Owner2 Individual Names on Record
Last Sale$191,203 (Jul 2024)
Tax Bill$975 (2025)
Deeds & MortgagesJul 2026 Mortgage
Oct 2022 Sale
+ 1 more
APN06-4.0-20-001-002-010.000

Property Details

APN / Parcel Number

Primary APN06-4.0-20-001-002-010.000

Interior

Building Area1,020 sqft Base Area
1st Floor Area1,020 sqft

Exterior

Year BuiltBuilt 1902
Effective Year BuiltEffective 1902
Lot Area5,663 sqft (0.13 acres)
Lot Dimensions140 ft deep x 40 ft wide

Location & Zoning

Street Address2138 S 12TH ST
CitySAINT JOSEPH
StateMO
Zip64503-2725
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeCITY
Legal DescriptionSUB:SOUTH ST. JOSEPH LOT:11 BLK:112LGL DESC:
Legal SubdivisionSOUTH ST JOSEPH
Legal Block112
Legal Lot Number11
JurisdictionBUCHANAN MO
Township / Civil DivisionWASHINGTON
Census Block Group1
Census Block1014
Census Tract3001

Owner

Source: Buchanan County records, as of August 10, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on Record
Mailing Address2138 S 12TH ST, SAINT JOSEPH, MO 64503-2725
OccupancyOwner Occupied
Owner TypeIndividual
VestingHusband and Wife

Deeds, Mortgages & Sale History

DateDocument
Jul 28, 2026Deed of Trust, Mortgage · VA Mortgage
FREEDOM MORTGAGE CORPORATION
Oct 19, 2022Warranty Deed, Transfer
FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO
May 5, 2020Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJul 31, 2024 · Amount on Record
Deed SaleJul 31, 2024 · Amount on Record
Prior SaleOct 19, 2022
Deed Document Number20245857
Deed Book / Page3799 / 433
Prior Transfer DateMay 5, 2020
Prior Transfer Doc003748/284
Record UpdatedSep 20, 2026

July 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionBUCHANAN MO
Recording DateJul 28, 2026
Property Address2138 S 12TH ST, SAINT JOSEPH, MO 64503-2725
Document Number0000006155
Book / Page3820 / 900
Instrument DateJul 24, 2026
Instrument20266155
Transaction TypeMortgage
Record UpdatedAug 10, 2026
Title CompanyMORTGAGE CONNECT

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000006155,
DateJul 28, 2026
Book Page3820/900
Instrument20266155
Lender
NameFREEDOM MORTGAGE CORPORATION
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueAug 1, 2056
Interest
Rate TypeAdjustable Rate
Rate6.49%
Initial TypeAdjustable Rate
AdjustableAdjustable Rate Rider
Max Rate-1%

October 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBUCHANAN MO
Recording DateOct 19, 2022
Property Address2138 S 12TH ST, SAINT JOSEPH, MO 64503-2725
Document Number003781/518
Book / Page3781 / 518
Instrument DateOct 17, 2022
Instrument2022010149
Transaction TypeTransfer
Record UpdatedOct 31, 2022
Title CompanyFIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Tax$0.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address2138 S 12TH ST, SAINT JOSEPH, MO 64503-2725

May 2020: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionBUCHANAN MO
Recording DateMay 5, 2020
Property Address2138 S 12TH ST, SAINT JOSEPH, MO 64503-2725
Document Number003748/284
Book / Page3748 / 284
Instrument DateMay 5, 2020
Instrument2020003431
Transaction TypeTransfer
Record UpdatedOct 31, 2022

Transaction

Tax$0.00
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants
Address2138 S 12TH ST, SAINT JOSEPH, MO 64503-2725

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateMissouri
CountyBuchanan County
MunicipalitySt. Joseph City
Unified School DistrictSt. Joseph School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$975.00 (+0.1%)$13,690 (+76.19%) Land $950 Building $12,740$72,070 (+76.3%) Land $5,000 Building $67,070
2024$974.00 (+91.73%)
2023$508.00 (-0.59%)$7,770 (-) Land $950 Building $6,820$40,880 (-) Land $5,000 Building $35,880
2022$511.00$7,770 Land $950 Building $6,820
2021$40,880 Land $5,000 Building $35,880

Assessed value is set for property tax purposes, not a market price estimate; it is 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 ZoneNot on file
Nearby Flood Policies8 in force

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 RiskLow
lower than 80% of the US · lower than 84% of Missouri
Wildfire Likelihood0.01% annual chance
ExposureNone
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 SystemMO AMERICAN ST JOSEPH
private · serves 89,171 people · EPA ID MO1010714
Water SourceGroundwater
Last State InspectionNov 2023
Lead3 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 249 locations within half a mile, as of December 31, 2025

ProviderMax 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
AT&T
Fixed Wireless		100 / 20

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