Buchanan County property record for 2202 Elm St, Saint Joseph, MO 64505
| Property Type | Single Family Home |
|---|---|
| Details | 1,234 sqft · built 1950 |
| Lot Size | 0.67 acres (29,185 sqft) |
| Owner | Individual Name on File |
| Last Sale | $167,048 (Oct 2023) |
| Tax Bill | $1,117 (2025) |
| Deeds & Mortgages | Mar 2015 Mortgage Oct 2023 Mortgage + 1 more |
| APN | 03-8.0-28-003-001-053.000 |
| Primary APN | 03-8.0-28-003-001-053.000 |
|---|
| Building Area | 1,234 sqft Base Area |
|---|---|
| 1st Floor Area | 1,234 sqft |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Lot Area | 29,185 sqft (0.67 acres) |
| Lot Dimensions | 250 ft deep x 190 ft wide |
| Street Address | 2202 ELM ST |
|---|---|
| City | SAINT JOSEPH |
| State | MO |
| Zip | 64505-1419 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | CITY |
| Legal Description | SUB:SCHILTZ LOT:9 BLK:2LGL DESC:& N 165' L 10 |
| Legal Subdivision | SCHILTZ |
| Legal Block | 2 |
| Legal Lot Number | 9-10 |
| Jurisdiction | BUCHANAN MO |
| Township / Civil Division | WASHINGTON |
| Census Block Group | 3 |
| Census Block | 3020 |
| Census Tract | 200 |
Source: Buchanan County records, as of May 27, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2202 ELM ST, SAINT JOSEPH, MO 64505-1419 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 3, 2015 | Deed of Trust, Mortgage · Conventional Mortgage US BANK NA |
| Oct 11, 2023 | Warranty Deed, Transfer · Conventional Mortgage COMMUNITYAMERICA CU |
| Sep 1, 2009 | Warranty Deed, Transfer · FHA Mortgage FRANKLIN AMERICAN MORTGAGE CO |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 11, 2023 · Amount on File |
| Deed Sale | Oct 11, 2023 · Amount on File |
| Prior Sale | Sep 1, 2009 · Amount on File |
| Deed Document Number | 20238018 |
| Deed Book / Page | 3791 / 465 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BUCHANAN MO |
| Property Address | 2202 ELM ST, SAINT JOSEPH, MO 64505-1419 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|
| Document Number | 2015001836 |
|---|---|
| Date | Mar 3, 2015 |
| Instrument | 2015001836 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Mar 2, 2030 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BUCHANAN MO |
| Recording Date | Oct 11, 2023 |
| Property Address | 2202 ELM ST, SAINT JOSEPH, MO 64505-1419 |
| Document Number | 003791/465 |
| Book / Page | 3791 / 465 |
| Instrument Date | Oct 6, 2023 |
| Instrument | 2023008018 |
| Transaction Type | Transfer |
| Record Updated | Apr 3, 2026 |
| Title Company | ST JOSEPH TITLE LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3314 MILLER AVE, SAINT JOSEPH, MO 64506-2026 |
| Name | Verified Name |
|---|---|
| Address | 2202 ELM ST, SAINT JOSEPH, MO 64505-1419 |
| Document Number | 2023008019 |
|---|---|
| Date | Oct 11, 2023 |
| Instrument | 2023008019 |
| Name | COMMUNITYAMERICA CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BUCHANAN MO |
| Recording Date | Sep 1, 2009 |
| Property Address | 2202 ELM ST, SAINT JOSEPH, MO 64505-1419 |
| Document Number | 03167/0956 |
| Book / Page | 3167 / 0956 |
| Instrument Date | Aug 26, 2009 |
| Instrument | 2009010933 |
| Transaction Type | Transfer |
| Record Updated | Oct 26, 2023 |
| Title Company | ST JOSEPH TITLE & ABSTRACT C |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1417 TORREY PINES DR, COLUMBIA, MO 65203-4830 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 2202 ELM ST, SAINT JOSEPH, MO 64505-1419 |
| Document Number | 03167/0960 |
|---|---|
| Date | Sep 1, 2009 |
| Book Page | 3167/0960 |
| Instrument | 2009010934 |
| Name | FRANKLIN AMERICAN MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Address | FRANKLIN, TN 37067 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2039 |
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 | $1,117.00 (+0.09%) | $16,100 (+5.5%) Land $4,000 Building $12,100 | $84,770 (+5.51%) Land $21,060 Building $63,710 |
| 2024 | $1,116.00 (+10.6%) | ||
| 2023 | $1,009.00 (-0.69%) | $15,260 (-) Land $4,000 Building $11,260 | $80,340 (-) Land $21,060 Building $59,280 |
| 2022 | $1,016.00 | $15,260 Land $4,000 Building $11,260 | |
| 2021 | $80,340 Land $21,060 Building $59,280 |
Assessed value is set for property tax purposes, not a market price estimate; it is 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 |
|---|---|
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 5 (1982–2021) |
| 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 94% of the US · lower than 92% 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.
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 205 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 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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