2205 Lovers Ln, Saint Joseph, MO 64505 Property Records

Buchanan County property record for 2205 Lovers Ln, Saint Joseph, MO 64505

Property Summary

Property Type	Single Family Home
Details	1,236 sqft · built 1922
Lot Size	0.12 acres (5,227 sqft)
Owner	Individual Name on Record
Last Sale	$239,067 (Aug 2026)
Tax Bill	$2,031 (2025)
Deeds & Mortgages	Aug 2026 Mortgage May 2025 Sale + 2 more
APN	`06-2.0-04-001-000-049.000`

Property Details

APN / Parcel Number

Primary APN	`06-2.0-04-001-000-049.000`

Interior

Building Area	1,236 sqft Base Area
1st Floor Area	1,236 sqft

Exterior

Year Built	Built 1922
Effective Year Built	Effective 1922
Lot Area	5,227 sqft (0.12 acres)
Lot Dimensions	140 ft deep x 40 ft wide

Location & Zoning

Street Address	2205 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:L11 EX STRIP 10' WIDE OFF SWLY SIDE
Legal Subdivision	LOVERS LANE
Legal Lot Number	11
Jurisdiction	BUCHANAN MO
Township / Civil Division	WASHINGTON
Census Block Group	1
Census Block	1007
Census Tract	500

Owner

Source: Buchanan County records, as of August 19, 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	2205 LOVERS LN, SAINT JOSEPH, MO 64505-2247
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Aug 3, 2026	Warranty Deed, Transfer · Conventional Mortgage HNB NATIONAL BANK
May 6, 2025	Warranty Deed, Transfer PREFERRED TITLE/STATE JOSEPH LLC, PREFERRED TTL OF ST JOSEPH L
Jul 1, 2021	Warranty Deed, Transfer · Conventional Mortgage LEADER ONE FINANCIAL CORP
Jun 3, 2019	Warranty Deed, Transfer · FHA Mortgage FLAT BRANCH MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 3, 2026 · Amount on Record
Deed Sale	Aug 3, 2026 · Amount on Record
Prior Sale	May 6, 2025
Deed Document Number	20266338
Deed Book / Page	3821 / 84
Record Updated	Sep 20, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUCHANAN MO
Recording Date	Aug 3, 2026
Property Address	2205 LOVERS LN, SAINT JOSEPH, MO 64505-2247
Document Number	0000006338
Book / Page	3821 / 84
Instrument Date	Aug 3, 2026
Instrument	20266338
Transaction Type	Transfer
Record Updated	Oct 23, 2026
Title Company	PREFERRED TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2205 LOVERS LN, SAINT JOSEPH, MO 64505-2247

Mortgage

Document Number	0000006339,
Date	Aug 3, 2026
Book Page	3821/85
Instrument	20266339

Lender

Name	HNB NATIONAL BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

May 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUCHANAN MO
Recording Date	May 6, 2025
Property Address	2205 LOVERS LN, SAINT JOSEPH, MO 64505-2247
Document Number	003807/258
Book / Page	3807 / 258
Instrument Date	May 5, 2025
Instrument	2025003265
Transaction Type	Transfer
Record Updated	Nov 4, 2025
Title Company	PREFERRED TITLE/STATE JOSEPH LLC, PREFERRED TTL OF ST JOSEPH L

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2205 LOVERS LN, SAINT JOSEPH, MO 64505-2247

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUCHANAN MO
Recording Date	Jul 1, 2021
Property Address	2205 LOVERS LN, SAINT JOSEPH, MO 64505-2247
Document Number	003764/217
Book / Page	3764 / 217
Instrument Date	Jul 1, 2021
Instrument	2021006888
Transaction Type	Transfer
Record Updated	Aug 16, 2022
Title Company	PREFERRED TITLE/STATE JOSEPH LLC, PREFERRED TTL OF ST JOSEPH L

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2205 LOVERS LN, SAINT JOSEPH, MO 64505-2247

Mortgage

Document Number	2021006889
Date	Jul 1, 2021
Instrument	2021006889

Lender

Name	LEADER ONE FINANCIAL CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUCHANAN MO
Recording Date	Jun 3, 2019
Property Address	2205 LOVERS LN, SAINT JOSEPH, MO 64505-2247
Document Number	0003738/18
Book / Page	3738 / 18
Instrument Date	May 31, 2019
Instrument	2019004436
Transaction Type	Transfer
Record Updated	Aug 16, 2022
Title Company	ADVANTAGE TITLE LLC

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2205 LOVERS LN, SAINT JOSEPH, MO 64505-2247

Mortgage

Document Number	0003738/19
Date	Jun 3, 2019
Book Page	3738/19
Instrument	2019004437

Lender

Name	FLAT BRANCH MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2049

Interest

Rate Type	Fixed Rate

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	$2,031.00 (+0.05%)	$28,320 (+8.71%) Land $4,750 Building $23,570	$149,060 (+8.74%) Land $25,000 Building $124,060
2024	$2,030.00 (+18.57%)
2023	$1,712.00 (-0.7%)	$26,050 (-) Land $4,750 Building $21,300	$137,080 (-) Land $25,000 Building $112,080
2022	$1,724.00	$26,050 Land $4,750 Building $21,300
2021			$137,080 Land $25,000 Building $112,080

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.

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

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