2318 Lovers Ln, Saint Joseph, MO 64505 Property Records

Buchanan County property record for 2318 Lovers Ln, Saint Joseph, MO 64505

Property Summary

Property Type	Single Family Home
Details	2,180 sqft · built 1956
Lot Size	0.68 acres (29,621 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,101 (2025)
Deeds & Mortgages	Aug 2020 Reverse Mortgage May 2017 Sale + 1 more
APN	`06-2.0-04-001-000-042.000`

Property Details

APN / Parcel Number

Primary APN	`06-2.0-04-001-000-042.000`

Interior

Building Area	2,180 sqft Base Area
1st Floor Area	2,180 sqft

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Lot Area	29,621 sqft (0.68 acres)
Lot Dimensions	158 ft deep x 101 ft wide

Location & Zoning

Street Address	2318 LOVERS LN
City	SAINT JOSEPH
State	MO
Zip	64505-2250
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CITY
Legal Description	SUB:HILLYARD PLACE LOT:6 BLK:LGL DESC:PT L6 BEG SE/L LOVERS L & NL NE4 SEC 4 SD PT REF TO AS NW COR L6 TH N 89 DG 56' E 102'
Legal Subdivision	HILLYARD PLACE
Legal Lot Number	6
Jurisdiction	BUCHANAN MO
Township / Civil Division	WASHINGTON
Census Block Group	2
Census Block	2003
Census Tract	500

Owner

2318 Lovers Ln is owned and occupied by two individuals who acquired it in May 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	2318 LOVERS LN, SAINT JOSEPH, MO 64505-2250
Occupancy	Owner Occupied
Owner Type	Individual

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
Aug 21, 2020	Deed of Trust, Mortgage · Reverse Mortgage FINANCE OF AMERICA REVERSE LLC
May 4, 2017	Deed, Transfer
Jan 20, 2017	Warranty Deed, Transfer · Conventional Mortgage UNION STATE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 4, 2017
Deed Sale	May 4, 2017
Prior Sale	Jan 20, 2017 · Amount on File
Deed Document Number	20174025
Prior Transfer Date	Apr 27, 2017
Prior Transfer Doc	2017004025
Record Updated	Sep 20, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BUCHANAN MO
Property Address	2318 LOVERS LN, SAINT JOSEPH, MO 64505-2250
Transaction Type	Mortgage
Record Updated	Jan 21, 2026
Title Company	F/C TITLE SERVICES LLC, FNC TITLE SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2318 LOVERS LN, SAINT JOSEPH, MO 64505-2250

Mortgage

Document Number	003752/253
Date	Aug 21, 2020
Book Page	3752/253
Instrument	2020007425

Lender

Name	FINANCE OF AMERICA REVERSE LLC
Type	Reverse Mortgage Lender
Address	TULSA, OK 74133

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	977 Months
Due	Dec 31, 2101

Interest

Rate Type	Adjustable Rate
Rate	2.8%
Type Change Date	Aug 1, 2021
Change Frequency	Annually
Index	1-Year LIBOR

May 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	BUCHANAN MO
Recording Date	May 4, 2017
Property Address	2318 LOVERS LN, SAINT JOSEPH, MO 64505-2250
Document Number	2017004025
Instrument Date	Apr 27, 2017
Instrument	2017004025
Transaction Type	Transfer
Record Updated	Jan 21, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2318 LOVERS LN, SAINT JOSEPH, MO 64505-2250

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BUCHANAN MO
Recording Date	Jan 20, 2017
Property Address	2318 LOVERS LN, SAINT JOSEPH, MO 64505-2250
Document Number	2017000530
Instrument Date	Jan 16, 2017
Instrument	2017000530
Transaction Type	Transfer
Record Updated	Jan 21, 2026
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	2318 LOVERS LN, SAINT JOSEPH, MO 64505-2250

Mortgage

Document Number	2017000531
Date	Jan 20, 2017
Instrument	2017000531

Lender

Name	UNION STATE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2047

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 2318 Lovers Ln was $2,101, up % from the year before.

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	$2,101.00 (+0.05%)	$30,690 Land $4,750 Building $25,940	$161,530 Land $25,000 Building $136,530
2024	$2,100.00 (+10.76%)
2023	$1,896.00 (-0.63%)	$28,880 (-) Land $4,750 Building $24,130	$152,020 Land $25,000 Building $127,020
2022	$1,908.00	$28,880 Land $4,750 Building $24,130
2021			$152,020 Land $25,000 Building $127,020

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

Flood

FEMA has no flood map on file for 2318 Lovers Ln; there have been 1 flood claim nearby since 2024.

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	1 (2024)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Jul 2024 · other causes

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 2318 Lovers Ln is low, with a 0.02% annual chance of 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

Nearby Properties on Lovers Ln

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