Buchanan County property record for 2190 River Ridge Rd, Saint Joseph, MO 64507
| Property Type | Single Family Home |
|---|---|
| Details | 2,072 sqft · built 2005 |
| Lot Size | 1.5 acres (65,340 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $3,175 (2025) |
| Deeds & Mortgages | May 2006 Line of Credit Aug 2012 Mortgage + 4 more |
| APN | 07-3.0-06-000-000-002.002 |
| Primary APN | 07-3.0-06-000-000-002.002 |
|---|
| Building Area | 2,072 sqft Base Area |
|---|---|
| 1st Floor Area | 2,072 sqft |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Lot Area | 65,340 sqft (1.5 acres) |
| Street Address | 2190 RIVER RIDGE RD |
|---|---|
| City | SAINT JOSEPH |
| State | MO |
| Zip | 64507-8756 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A-OR |
| Legal Description | 06-57-34NESUB:RIVER RIDGE ESTATES SOUTH LOT:2 BLK:LGL DESC:EX RD R/W |
| Legal Range | 34W |
| Legal Township | 57N |
| Legal Section | 06 |
| Legal Subdivision | RIVER RIDGE ESTATES SOUTH |
| Legal Lot Number | 2 |
| Jurisdiction | BUCHANAN MO |
| Township / Civil Division | WASHINGTON |
| Census Block Group | 2 |
| Census Block | 2027 |
| Census Tract | 2700 |
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 | 2190 NE RVER RD, SAINT JOSEPH, MO 64507 |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| May 24, 2006 | Deed of Trust, Mortgage · Line of Credit FIRST HORIZON HOME LOAN CORP |
| Aug 3, 2012 | Deed of Trust, Mortgage · Conventional Mortgage PONY EXPRESS COMMUNITY BANK |
| Sep 9, 2010 | Deed of Trust, Mortgage · Conventional Mortgage FIRST COMMUNITY BANK |
| Sep 15, 2011 | Deed of Trust, Mortgage · Conventional Mortgage PONY EXPRESS COMMUNITY BANK |
| Apr 22, 2026 | Warranty Deed, Transfer ST JOSEPH TITLE |
| Feb 28, 2005 | Warranty Deed, Transfer FIRST HORIZON HOME LOAN CORP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 22, 2026 |
| Deed Sale | Apr 22, 2026 |
| Prior Sale | Feb 28, 2005 · Amount on Record |
| Deed Document Number | 20263066 |
| Deed Book / Page | 3817 / 847 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BUCHANAN MO |
| Property Address | 2190 RIVER RIDGE RD, SAINT JOSEPH, MO 64507-8756 |
| Transaction Type | Mortgage |
| Record Updated | May 7, 2026 |
| Title Company | ST JOSEPH TITLE & ABSTRACT C, ST JOSEPH TITLE & ABSTRACT |
| Name | Verified Name |
|---|
| Document Number | 02901/0126 |
|---|---|
| Date | May 24, 2006 |
| Book Page | 2901/0126 |
| Instrument | 2006007429 |
| Name | FIRST HORIZON HOME LOAN CORP |
|---|---|
| Type | Mortgage Company |
| Address | IRVING, TX 75063 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Jun 1, 2026 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BUCHANAN MO |
| Property Address | 2190 RIVER RIDGE RD, SAINT JOSEPH, MO 64507-8756 |
| Transaction Type | Mortgage |
| Record Updated | May 7, 2026 |
| Title Company | ST JOSEPH TITLE & ABSTRACT C |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 03348/0505 |
|---|---|
| Date | Aug 3, 2012 |
| Book Page | 3348/0505 |
| Instrument | 2012009433 |
| Name | PONY EXPRESS COMMUNITY BANK |
|---|---|
| Address | HORTON, KS 66439 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 164 Months |
| Due | Apr 1, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BUCHANAN MO |
| Property Address | 2190 RIVER RIDGE RD, SAINT JOSEPH, MO 64507-8756 |
| Transaction Type | Mortgage |
| Record Updated | May 7, 2026 |
| Title Company | ST JOSEPH TITLE & ABSTRACT C |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 03229/0183 |
|---|---|
| Date | Sep 9, 2010 |
| Book Page | 3229/0183 |
| Instrument | 2010009878 |
| Name | FIRST COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | CLINTON, MO 64735 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BUCHANAN MO |
| Property Address | 2190 RIVER RIDGE RD, SAINT JOSEPH, MO 64507-8756 |
| Transaction Type | Mortgage |
| Record Updated | May 7, 2026 |
| Title Company | ST JOSEPH TITLE & ABSTRACT C |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 03289/0562 |
|---|---|
| Date | Sep 15, 2011 |
| Book Page | 3289/0562 |
| Instrument | 2011009999 |
| Name | PONY EXPRESS COMMUNITY BANK |
|---|---|
| Address | HORTON, KS 66439 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 173 Months |
| Due | Feb 1, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BUCHANAN MO |
| Recording Date | Apr 22, 2026 |
| Property Address | 2190 RIVER RIDGE RD, SAINT JOSEPH, MO 64507-8756 |
| Document Number | 0000003066 |
| Book / Page | 3817 / 847 |
| Instrument Date | Apr 21, 2026 |
| Instrument | 20263066 |
| Transaction Type | Transfer |
| Record Updated | Jul 12, 2026 |
| Title Company | ST JOSEPH TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BUCHANAN MO |
| Recording Date | Feb 28, 2005 |
| Property Address | 2190 RIVER RIDGE RD, SAINT JOSEPH, MO 64507-8756 |
| Document Number | 02769/0948 |
| Book / Page | 2769 / 0948 |
| Instrument Date | Feb 25, 2005 |
| Instrument | 2005002708 |
| Transaction Type | Transfer |
| Record Updated | May 7, 2026 |
| Title Company | ST JOSEPH TITLE & ABSTRACT C |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 511 PINEWOOD DR, SAINT JOSEPH, MO 64506-3365 |
| Name | Verified Name |
|---|---|
| Address | 2190 RIVER RIDGE RD, SAINT JOSEPH, MO 64507-8756 |
| Investor | Possibly a Property Investor |
| Document Number | 2005002710 |
|---|---|
| Date | Feb 28, 2005 |
| Instrument | 2005002710 |
| Name | FIRST HORIZON HOME LOAN CORP |
|---|---|
| Type | Mortgage Company |
| Amount | Amount Recorded |
|---|
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Number | 02769/0950 |
|---|---|
| Date | Feb 28, 2005 |
| Book Page | 2769/0950 |
| Instrument | 2005002709 |
| Name | FIRST HORIZON HOME LOAN CORP |
|---|---|
| Type | Mortgage Company |
| Address | IRVING, TX 75063 |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2035 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.12% |
| Type Change Date | Mar 1, 2012 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 10.1% |
| Index | 1-Year T-Bill |
| Max Rate | 10.1% |
Source: Buchanan County assessment roll, as of November 4, 2025
| Type | Name |
|---|---|
| State | Missouri |
| County | Buchanan County |
| Unified School District | St. Joseph School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,175.00 | $56,090 (+6.82%) Land $4,750 Building $51,340 | $295,210 (+6.81%) Land $25,000 Building $270,210 |
| 2024 | $3,175.00 (+12.03%) | ||
| 2023 | $2,834.00 (-0.81%) | $52,510 (-) Land $4,750 Building $47,760 | $276,390 (-) Land $25,000 Building $251,390 |
| 2022 | $2,857.00 | $52,510 Land $4,750 Building $47,760 | |
| 2021 | $276,390 Land $25,000 Building $251,390 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|
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 65% of the US · lower than 75% of Missouri |
|---|---|
| Wildfire Likelihood | 0.04% 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 | 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 |
| 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 24 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| 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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