2312 Strader Ter, Saint Joseph, MO 64503 Property Records

Buchanan County property record for 2312 Strader Ter, Saint Joseph, MO 64503

Property Summary

Property Type	Single Family Home
Details	1,120 sqft · built 1960
Lot Size	0.25 acres (10,890 sqft)
Owner	Individual Name on File
Last Sale	$221,112 (Jul 2023)
Tax Bill	$1,330 (2025)
Deeds & Mortgages	Jul 2023 Mortgage Jul 2023 Sale + 1 more
APN	`06-5.0-22-002-000-016.000`

Property Details

APN / Parcel Number

Primary APN	`06-5.0-22-002-000-016.000`

Interior

Building Area	1,120 sqft Base Area
1st Floor Area	1,120 sqft

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Lot Area	10,890 sqft (0.25 acres)
Lot Dimensions	110 ft deep x 97.6 ft wide

Location & Zoning

Street Address	2312 STRADER TER
City	SAINT JOSEPH
State	MO
Zip	64503-1244
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CITY
Legal Description	SUB:HILL TOP LOT:24 BLK:7LGL DESC:
Legal Subdivision	HILL TOP
Legal Block	7
Legal Lot Number	24
Jurisdiction	BUCHANAN MO
Township / Civil Division	WASHINGTON
Census Block Group	1
Census Block	1005
Census Tract	1800

Owner

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	2312 STRADER TER, SAINT JOSEPH, MO 64503-1244
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 21, 2023	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Jul 21, 2023	Warranty Deed, Transfer FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO
Jun 28, 2019	Warranty Deed, Transfer · Conventional Mortgage AMERICAN BANK OF MISSOURI

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 21, 2023 · Amount on File
Deed Sale	Jul 21, 2023 · Amount on File
Prior Sale	Jun 28, 2019 · Amount on File
Deed Document Number	20235532
Deed Book / Page	3788 / 999
Prior Transfer Date	Jan 24, 2013
Prior Transfer Doc	03386/0042
Record Updated	Sep 20, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN MO
Property Address	2312 STRADER TER, SAINT JOSEPH, MO 64503-1244
Transaction Type	Mortgage
Record Updated	Aug 16, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3610 SENECA ST, SAINT JOSEPH, MO 64507-2035

Mortgage

Document Number	00003789/1
Date	Jul 21, 2023
Book Page	3789/1
Instrument	2023005533

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2053

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUCHANAN MO
Recording Date	Jul 21, 2023
Property Address	2312 STRADER TER, SAINT JOSEPH, MO 64503-1244
Document Number	003788/999
Book / Page	3788 / 999
Instrument Date	Jul 21, 2023
Instrument	2023005532
Transaction Type	Transfer
Record Updated	Aug 4, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2312 STRADER TER, SAINT JOSEPH, MO 64503-1244

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUCHANAN MO
Recording Date	Jun 28, 2019
Property Address	2312 STRADER TER, SAINT JOSEPH, MO 64503-1244
Document Number	003738/897
Book / Page	3738 / 897
Instrument Date	Jun 27, 2019
Instrument	2019005321
Transaction Type	Transfer
Record Updated	Aug 4, 2023
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2312 STRADER TER, SAINT JOSEPH, MO 64503-1244

Mortgage

Document Number	003738/898
Date	Jun 28, 2019
Book Page	3738/898
Instrument	2019005322

Lender

Name	AMERICAN BANK OF MISSOURI
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 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	$1,330.00 (+0.08%)	$18,530 (+6.07%) Land $3,330 Building $15,200	$97,500 (+6.09%) Land $17,500 Building $80,000
2024	$1,329.00 (+15.67%)
2023	$1,149.00 (-0.69%)	$17,470 (-) Land $3,330 Building $14,140	$91,900 (-) Land $17,500 Building $74,400
2022	$1,157.00	$17,470 Land $3,330 Building $14,140
2021			$91,900 Land $17,500 Building $74,400

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
Nearby Flood Policies	5 in force
Nearby Flood Claims	5 (1984–2018)
Claims Outside the SFHA	3 of 5
Most Recent Claim	Sep 2018 · other causes
Claims by Event	Severe Storms And Flooding, May 2007 · 2 claims Severe Storms & Flooding, Jul 1993 · 2 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 96% of the US · lower than 94% of Missouri
Wildfire Likelihood	0.01% 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 98 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
United Fiber Fiber	1,000 / 1,000
Optimum Cable	940 / 35
Mercury Fiber Fixed Wireless	150 / 20

May also be available: Metronet.

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