Buchanan County property record for 2401 N Circle Dr, Saint Joseph, MO 64505
| Property Type | Single Family Home |
|---|---|
| Details | 1,424 sqft · built 1931 |
| Lot Size | 0.34 acres (14,850 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $125,000 (Jan 2019) |
| Tax Bill | $1,631 (2025) |
| Deeds & Mortgages | Mar 2024 Mortgage Jan 2019 Mortgage + 1 more |
| APN | 06-2.0-04-001-000-064.000 |
| Primary APN | 06-2.0-04-001-000-064.000 |
|---|
| Building Area | 1,424 sqft Base Area |
|---|---|
| 1st Floor Area | 1,424 sqft |
| Year Built | Built 1931 |
|---|---|
| Effective Year Built | Effective 1931 |
| Lot Area | 14,850 sqft (0.34 acres) |
| Lot Dimensions | 247 ft deep x 60 ft wide |
| Street Address | 2401 N CIRCLE DR |
|---|---|
| City | SAINT JOSEPH |
| State | MO |
| Zip | 64505-2217 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | CITY |
| Legal Description | SUB:HIGHLAND PARK LOT:24 BLK:5LGL DESC:PRT OF LOT 24 BLK 5 BEG ON NELY/L OF LOT 24 BEING WLY/L OF WOOD BURN AVE AT A PT 60' SELY FROM LINE WHICH DIVIDES LOT 24 & 25 ON SWLY/L OF WOODBURN AVE TH SELY ALG NELY/L OF SD LOT 60' TH SWLY PARL TO NWLY/L OF |
| Legal Subdivision | HIGHLAND PARK |
| Legal Block | 5 |
| Legal Lot Number | 24-25 |
| Jurisdiction | BUCHANAN MO |
| Township / Civil Division | WASHINGTON |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 500 |
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 Record |
|---|---|
| Mailing Address | 2401 N CIRCLE DR, SAINT JOSEPH, MO 64505-2217 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 15, 2024 | Deed of Trust, Mortgage · Conventional Mortgage COMMERCE BANK |
| Jan 4, 2019 | Deed, Transfer · Conventional Mortgage COMMERCE BANK |
| Sep 21, 2017 | Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 4, 2019 · Amount on Record |
| Deed Sale | Jan 4, 2019 · Amount on Record |
| Prior Sale | Sep 21, 2017 |
| Deed Document Number | 201990 |
| Deed Book / Page | 3721 / 519 |
| Prior Transfer Date | Sep 18, 2017 |
| Prior Transfer Doc | 2017009394 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BUCHANAN MO |
| Property Address | 2401 N CIRCLE DR, SAINT JOSEPH, MO 64505-2217 |
| Transaction Type | Mortgage |
| Record Updated | Apr 1, 2024 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|---|
| Address | 2401 N CIRCLE DR, SAINT JOSEPH, MO 64505-2217 |
| Document Number | 003795/438 |
|---|---|
| Date | Mar 15, 2024 |
| Book Page | 3795/438 |
| Instrument | 2024001813 |
| Name | COMMERCE BANK |
|---|---|
| Type | Bank |
| Address | KANSAS CITY, MO 64106 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.12% |
| Type Change Date | Apr 1, 2031 |
| Change Frequency | Annually |
| Min Rate At Change | 5.12% |
| Max Rate At Change | 9.12% |
| Index | 1-Year T-Bill |
| Max Rate | 13.1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | BUCHANAN MO |
| Recording Date | Jan 4, 2019 |
| Property Address | 2401 N CIRCLE DR, SAINT JOSEPH, MO 64505-2217 |
| Document Number | 003721/519 |
| Book / Page | 3721 / 519 |
| Instrument Date | Jan 3, 2018 |
| Instrument | 2019000090 |
| Transaction Type | Transfer |
| Record Updated | Aug 16, 2022 |
| Title Company | FIRST AMERICAN TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2401 N CIRCLE DR, SAINT JOSEPH, MO 64505-2217 |
| Document Number | 003721/521 |
|---|---|
| Date | Jan 4, 2019 |
| Book Page | 3721/521 |
| Instrument | 2019000091 |
| Name | COMMERCE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed |
|---|---|
| Jurisdiction | BUCHANAN MO |
| Recording Date | Sep 21, 2017 |
| Property Address | 2401 N CIRCLE DR, SAINT JOSEPH, MO 64505-2217 |
| Document Number | 2017009394 |
| Instrument Date | Sep 18, 2017 |
| Instrument | 2017009394 |
| Transaction Type | Transfer |
| Record Updated | Aug 16, 2022 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2401 N CIRCLE DR, SAINT JOSEPH, MO 64505-2217 |
Source: Buchanan County assessment roll, as of November 4, 2025
| Type | Name |
|---|---|
| State | Missouri |
| County | Buchanan County |
| Municipality | St. Joseph City |
| Unified School District | St. Joseph School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,631.00 (+0.06%) | $22,680 (+20.45%) Land $4,750 Building $17,930 | $119,350 (+20.43%) Land $25,000 Building $94,350 |
| 2024 | $1,630.00 (+31.03%) | ||
| 2023 | $1,244.00 (-0.64%) | $18,830 (-) Land $4,750 Building $14,080 | $99,100 (-) Land $25,000 Building $74,100 |
| 2022 | $1,252.00 | $18,830 Land $4,750 Building $14,080 | |
| 2021 | $99,100 Land $25,000 Building $74,100 |
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.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 66% of the US · lower than 76% of Missouri |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
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 |
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