2308 Prospect Ave, Saint Joseph, MO 64505 Property Records

Buchanan County property record for 2308 Prospect Ave, Saint Joseph, MO 64505

Property Summary

Property Type	Single Family Home
Details	1,426 sqft · built 1965
Lot Size	0.47 acres (20,473 sqft)
Owner	2 Individual Names on Record
Tax Bill	$817 (2025)
Deeds & Mortgages	Aug 2018 Mortgage Apr 2020 Mortgage + 1 more
APN	`06-3.0-06-001-001-019.000`

Property Details

APN / Parcel Number

Primary APN	`06-3.0-06-001-001-019.000`

Interior

Building Area	1,426 sqft Base Area
1st Floor Area	1,426 sqft

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Lot Area	20,473 sqft (0.47 acres)
Lot Dimensions	136 ft deep x 150 ft wide

Location & Zoning

Street Address	2308 PROSPECT AVE
City	SAINT JOSEPH
State	MO
Zip	64505-2346
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CITY
Legal Description	SUB:PERKINS HEIGHTS LOT:2 BLK:LGL DESC:EX TR 144' X 88.12 1/2' IN NW COR EX ST R/W
Legal Subdivision	PERKINS HEIGHTS
Legal Lot Number	2
Jurisdiction	BUCHANAN MO
Township / Civil Division	WASHINGTON
Census Block Group	2
Census Block	2051
Census Tract	300

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	2 Individual Names on Record
Mailing Address	2308 PROSPECT AVE, SAINT JOSEPH, MO 64505-2346
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 30, 2018	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC
Apr 20, 2020	Deed of Trust, Mortgage · VA Mortgage AMERISAVE MORTGAGE CORP
Aug 8, 2019	Deed of Trust, Mortgage · VA Mortgage AMERISAVE MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 12, 2006
Deed Sale	Oct 12, 2006
Deed Document Number	200615123
Deed Book / Page	2941 / 380
Record Updated	Sep 20, 2026

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN MO
Property Address	2308 PROSPECT AVE, SAINT JOSEPH, MO 64505-2346
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3703/310
Date	Aug 30, 2018
Book Page	3703/310
Instrument	2018007966

Lender

Name	NEW DAY FINANCIAL LLC
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2048

Interest

Rate Type	Fixed Rate

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN MO
Property Address	2308 PROSPECT AVE, SAINT JOSEPH, MO 64505-2346
Transaction Type	Mortgage
Record Updated	Jun 18, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3747/857
Date	Apr 20, 2020
Book Page	3747/857
Instrument	2020003004

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN MO
Property Address	2308 PROSPECT AVE, SAINT JOSEPH, MO 64505-2346
Transaction Type	Mortgage
Record Updated	Sep 4, 2019
Title Company	SOLIDIFI TITLE & CLOSING LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	3740/145
Date	Aug 8, 2019
Book Page	3740/145
Instrument	2019006580

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 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	$817.00	$11,700 (+6.85%) Land $950 Building $10,750	$61,600 (+6.85%) Land $5,000 Building $56,600
2024	$817.00 (+16.38%)
2023	$702.00 (-0.71%)	$10,950 (-) Land $950 Building $10,000	$57,650 (-) Land $5,000 Building $52,650
2022	$707.00	$10,950 Land $950 Building $10,000
2021			$57,650 Land $5,000 Building $52,650

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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 13 policies
Nearby Flood Policies	13 in force
Nearby Flood Claims	53 (1984–2019)
Claims Outside the SFHA	9 of 53
Most Recent Claim	Jun 2019 · Severe Storms, Tornadoes, And Flooding
Claims by Event	Severe Storms, Straight-line Winds, And Flooding, Mar 2019 · 10 claims Flooding, Jul 2011 · 18 claims 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 62% of the US · lower than 69% of Missouri
Wildfire Likelihood	0.05% 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 32 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Optimum Cable	940 / 35
Verizon Fixed Wireless	300 / 20
Mercury Fiber Fixed Wireless	150 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: United Fiber.

Nearby Properties on Prospect Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures