2212 Sterling St, Saint Joseph, MO 64503 Property Records

Buchanan County property record for 2212 Sterling St, Saint Joseph, MO 64503

Property Summary

Property Type	Single Family Home
Details	1,316 sqft · built 2006
Lot Size	0.18 acres (7,841 sqft)
Owner	Trust Name on File
Last Sale	$178,500 (Mar 2019)
Tax Bill	$1,996 (2025)
Deeds & Mortgages	Feb 2024 Transfer Sep 2017 Mortgage + 3 more
APN	`06-6.0-24-002-000-001.114`

Property Details

APN / Parcel Number

Primary APN	`06-6.0-24-002-000-001.114`

Interior

Building Area	1,316 sqft Base Area
1st Floor Area	1,316 sqft

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Lot Area	7,841 sqft (0.18 acres)
Lot Dimensions	127 ft deep x 60 ft wide

Location & Zoning

Street Address	2212 STERLING ST
City	SAINT JOSEPH
State	MO
Zip	64503-1865
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CITY
Legal Description	24-57-35NWSUB:THOUSAND OAKS ADDN PLAT 2 LOT:111 BLK:LGL DESC:
Legal Range	35W
Legal Township	57N
Legal Section	24
Legal Subdivision	THOUSAND OAKS ADDN PLAT 2
Legal Lot Number	111
Jurisdiction	BUCHANAN MO
Township / Civil Division	WASHINGTON
Census Block Group	2
Census Block	2016
Census Tract	1700

Owner

2212 Sterling St is held in a trust since February 2024.

Source: Buchanan County records, as of May 27, 2026

Owner of Record	Trust Name on File
Mailing Address	5012 S MISSION DR, SAINT JOSEPH, MO 64505-9404
Owner Type	Company
Vesting	Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 6, 2024	Intrafamily Transfer, Transfer
Sep 15, 2017	Deed of Trust, Mortgage · FHA Mortgage BMO HARRIS BANK NA
Feb 13, 2019	Deed of Trust, Mortgage · FHA Mortgage BMO HARRIS BANK NA
Mar 22, 2019	Warranty Deed, Transfer · ARM COMMERCE BANK
Sep 18, 2017	Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 22, 2019 · Amount on File
Deed Sale	Mar 22, 2019 · Amount on File
Prior Sale	Sep 18, 2017
Deed Document Number	20192166
Deed Book / Page	3731 / 187
Last Transfer Date	Feb 5, 2024
Transfer Doc	003794/479
Record Updated	Sep 20, 2026

February 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BUCHANAN MO
Recording Date	Feb 6, 2024
Property Address	2212 STERLING ST, SAINT JOSEPH, MO 64503-1865
Document Number	003794/479
Book / Page	3794 / 479
Instrument Date	Feb 5, 2024
Instrument	2024000839
Transaction Type	Transfer
Record Updated	Feb 20, 2024

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5012 S MISSION DR, SAINT JOSEPH, MO 64505-9404

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5012 S MISSION DR, SAINT JOSEPH, MO 64505-9404

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN MO
Property Address	2212 STERLING ST, SAINT JOSEPH, MO 64503-1865
Transaction Type	Mortgage
Record Updated	Aug 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2017009258
Date	Sep 15, 2017
Instrument	2017009258

Lender

Name	BMO HARRIS BANK NA
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2047

Interest

Rate Type	Fixed Rate

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN MO
Property Address	2212 STERLING ST, SAINT JOSEPH, MO 64503-1865
Transaction Type	Mortgage
Record Updated	Aug 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003725/745
Date	Feb 13, 2019
Book Page	3725/745
Instrument	2019000993

Lender

Name	BMO HARRIS BANK NA
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2047

Interest

Rate Type	Fixed Rate

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUCHANAN MO
Recording Date	Mar 22, 2019
Property Address	2212 STERLING ST, SAINT JOSEPH, MO 64503-1865
Document Number	003731/187
Book / Page	3731 / 187
Instrument Date	Mar 22, 2019
Instrument	2019002166
Transaction Type	Transfer
Record Updated	Aug 16, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7201 KING HILL AVE, 7201, SAINT JOSEPH, MO 64504-2313

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7201 KING HILL AVE, SAINT JOSEPH, MO 64504-2313

Mortgage

Document Number	003731/189
Date	Mar 22, 2019
Book Page	3731/189
Instrument	2019002167

Lender

Name	COMMERCE BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2049

Interest

Rate Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Type Change Date	Apr 1, 2029
Change Frequency	Annually
Min Rate At Change	3.25%
Max Rate At Change	7.25%
Index	1-Year CMT

September 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	BUCHANAN MO
Recording Date	Sep 18, 2017
Property Address	2212 STERLING ST, SAINT JOSEPH, MO 64503-1865
Document Number	2017009257
Instrument Date	Sep 15, 2017
Instrument	2017009257
Transaction Type	Transfer
Record Updated	Aug 16, 2022

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2212 STERLING ST, SAINT JOSEPH, MO 64503-1865
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 2212 Sterling St was $1,996.

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	$1,996.00	$28,370 Land $5,170 Building $23,200	$149,290 Land $27,200 Building $122,090
2024	$1,996.00 (+34.14%)
2023	$1,488.00 (-0.73%)	$22,840 (-) Land $4,180 Building $18,660	$120,230 Land $22,000 Building $98,230
2022	$1,499.00	$22,840 Land $4,180 Building $18,660
2021			$120,230 Land $22,000 Building $98,230

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

FEMA has no flood map on file for 2212 Sterling St; 1 flood insurance policy is in force nearby.

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

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

Wildfire risk around 2212 Sterling St is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 98.2% of Missouri
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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 273 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
Mercury Fiber Fixed Wireless	150 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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