2201 Lovers Ln, Saint Joseph, MO 64505 Property Records

Buchanan County property record for 2201 Lovers Ln, Saint Joseph, MO 64505

Property Summary

Property Type	Single Family Home
Details	1,370 sqft · built 1922
Lot Size	0.47 acres (20,498 sqft)
Owner	Individual Name on Record
Last Sale	$271,652 (Feb 2022)
Tax Bill	$1,591 (2025)
Deeds & Mortgages	Feb 2022 Mortgage Aug 2021 Line of Credit
APN	`06-2.0-04-001-000-048.000`

Property Details

APN / Parcel Number

Primary APN	`06-2.0-04-001-000-048.000`

Interior

Building Area	1,370 sqft Base Area
1st Floor Area	1,370 sqft

Exterior

Year Built	Built 1922
Effective Year Built	Effective 1922
Lot Area	20,498 sqft (0.47 acres)
Lot Dimensions	118 ft deep x 173 ft wide

Location & Zoning

Street Address	2201 LOVERS LN
City	SAINT JOSEPH
State	MO
Zip	64505-2247
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CITY
Legal Description	SUB:LOVERS LANE LOT:11 BLK:LGL DESC:SW 10' LOT 11 ALL LOT 12
Legal Subdivision	LOVERS LANE
Legal Lot Number	11-12
Jurisdiction	BUCHANAN MO
Township / Civil Division	WASHINGTON
Census Block Group	1
Census Block	1007
Census Tract	500

Owner

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	Individual Name on Record
Mailing Address	2201 LOVERS LN, SAINT JOSEPH, MO 64505-2247
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Feb 7, 2022	Warranty Deed, Transfer · Conventional Mortgage PRIMELENDING
Aug 23, 2021	Deed of Trust, Mortgage · Line of Credit POSTAL & COMMUNITY CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 7, 2022 · Amount on Record
Deed Sale	Feb 7, 2022 · Amount on Record
Prior Sale	Jun 19, 2012
Deed Document Number	20221245
Deed Book / Page	3772 / 674
Last Transfer Date	Oct 1, 2025
Transfer Doc	0000008645
Record Updated	Sep 20, 2026

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUCHANAN MO
Recording Date	Feb 7, 2022
Property Address	2201 LOVERS LN, SAINT JOSEPH, MO 64505-2247
Document Number	003772/674
Book / Page	3772 / 674
Instrument Date	Feb 4, 2022
Instrument	2022001245
Transaction Type	Transfer
Record Updated	Feb 16, 2022
Title Company	NOT AVAILABLE, ST JOSEPH TITLE LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2201 LOVERS LN, 2201, SAINT JOSEPH, MO 64505-2247

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2902 S 40TH TER, SAINT JOSEPH, MO 64503-1696

Mortgage

Document Number	2022001246
Date	Feb 7, 2022
Instrument	2022001246

Lender

Name	PRIMELENDING
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN MO
Property Address	2201 LOVERS LN, SAINT JOSEPH, MO 64505-2247
Transaction Type	Mortgage
Record Updated	Sep 2, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2201 LOVERS LN, SAINT JOSEPH, MO 64505-2247

Mortgage

Document Number	3766/349
Date	Aug 23, 2021
Book Page	3766/349
Instrument	2021009032

Lender

Name	POSTAL & COMMUNITY CU
Type	Credit Union
Address	SAINT JOSEPH, MO 64506

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Aug 22, 2041

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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	$1,591.00 (+0.06%)	$22,110 (+5.79%) Land $4,750 Building $17,360	$116,390 (+5.81%) Land $25,000 Building $91,390
2024	$1,590.00 (+15.38%)
2023	$1,378.00 (-0.72%)	$20,900 (-) Land $4,750 Building $16,150	$110,000 (-) Land $25,000 Building $85,000
2022	$1,388.00	$20,900 Land $4,750 Building $16,150
2021			$110,000 Land $25,000 Building $85,000

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 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	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

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

Wildfire Risk	Low lower than 95% of the US · lower than 93% of Missouri
Wildfire Likelihood	0.02% 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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Lovers Ln

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